POLISH AMERICAN SOCIAL & CIVIC CORP (EIN 041734855) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1935

Legal Domicile

Principal Officer

MICHAEL CHLUDENSKI

Phone

5082787583

Tax Period

2025-01-01 to 2025-12-31

POLISH AMERICAN SOCIAL & CIVIC CORP, founded in 1935, is a small nonprofit that reported $254K in total revenue in fiscal year 2025. Revenue decreased 19% compared to the prior year.

Mission

MAINTAIN SOCIAL AND CIVIC CENTER

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $28

Other Revenue $253,926

TOTAL REVENUE $253,954

Expense Breakdown

Grants Paid $0

Salaries & Benefits $102,612

Fundraising Expenses $0

Other Expenses $147,853

TOTAL EXPENSES $250,465

Year-over-Year Comparison

	2025	2024	Change
Revenue	$253,954	$312,280	-0.2%
Expenses	$250,465	$230,483	+0.1%
Net Income	$3,489	$81,797	-1.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RUSSELL ROSBRO	DIRECTOR	001.00	Director	$0	$0	$0
HENRY STEFANICK	DIRECTOR	001.00	Director	$0	$0	$0
SANDRA ROSBOROUGH	DIRECTOR	001.00	Director	$0	$0	$0
CHRISTOPHER VARJIAN	DIRECTOR	001.00	Director	$0	$0	$0
KATHY KROLL	DIRECTOR	001.00	Director	$0	$0	$0
THOMAS ROSBOROUGH	DIRECTOR	001.00	Director	$0	$0	$0
OLIVER MICHALEWSKI	DIRECTOR	001.00	Director	$0	$0	$0
PATRICIA JACQUES	TREASURER	001.00	Director	$0	$0	$0
MICHAEL CHLUDENSKI	PRESIDENT	005.00	Officer	$0	$0	$0
STEPHEN STEFANICK	VICE PRESIDENT	002.00	Officer	$0	$0	$0
BETH CHLUDENSKI	SECRETARY	002.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$253,954	$250,465	$175,592	$3,489
2024	$312,280	$230,483	$172,103	$81,797
2023	$244,468	$253,824	$90,306	$-9,356
2022	$217,123	$194,210	$99,662	$22,913
2021	$159,095	$144,309	$76,749	$14,786
2020	$52,377	$59,653	$61,963	$-7,276
2019	$125,772	$133,525	$69,239	$-7,753

POLISH AMERICAN SOCIAL & CIVIC CORP