POLISH AMERICAN CLUB OF AGAWAM (EIN 046112786) - 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

1959

Legal Domicile

Principal Officer

RONALD LALANCETTE

Phone

4135193730

Tax Period

2023-01-01 to 2023-12-31

POLISH AMERICAN CLUB OF AGAWAM, founded in 1959, is a small nonprofit that reported $320K in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

PROMOTE CIVIC BETTERMENT IN THE TOWN OF AGAWAM THROUGH VARIOUS SOCIAL AND CHARITABLE ACTIVITIES

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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 (2023)

Revenue Breakdown

Contributions & Grants $10,600

Program Service Revenue $0

Investment Income $95

Other Revenue $309,378

TOTAL REVENUE $320,073

Expense Breakdown

Grants Paid $0

Salaries & Benefits $122,423

Fundraising Expenses $0

Other Expenses $226,988

TOTAL EXPENSES $349,411

Year-over-Year Comparison

	2023	2022	Change
Revenue	$320,073	$283,038	+0.1%
Expenses	$349,411	$251,342	+0.4%
Net Income	$-29,338	$31,696	-1.9%

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
MICHELE BUCZEK	SECRETARY	N/A	Officer Director	$0	$0	$0
JUDY CARTY	DIRECTOR	N/A	Director	$0	$0	$0
TODD COLLIER	DIRECTOR	N/A	Director	$0	$0	$0
JOHN KUDLIC	DIRECTOR	N/A	Director	$0	$0	$0
DAVE PAWLISHEN	DIRECTOR	N/A	Director	$0	$0	$0
GARY SACCOMANI	DIRECTOR	N/A	Director	$0	$0	$0
ALAN STEPANIK	DIRECTOR	N/A	Director	$0	$0	$0
DON STEPANIK	DIRECTOR	N/A	Director	$0	$0	$0
BRIAN STEPANIK	DIRECTOR	N/A	Director	$0	$0	$0
BOB TYRELL	DIRECTOR	N/A	Director	$0	$0	$0
JON KELLEY	VICE PRESIDE	N/A	Officer	$0	$0	$0
RONALD LALANCETTE	TREASURER	N/A	Officer	$0	$0	$0
MARK ROLLAND	PRESIDENT	N/A	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
2024	No data	No data	No data	No data
2023	$320,073	$349,411	$344,471	$-29,338
2022	$283,038	$251,342	$301,529	$31,696
2022	$283,038	$251,342	$301,529	$31,696
2021	$272,513	$185,828	$268,861	$86,685
2020	$86,983	$151,339	$194,069	$-64,356
2019	$249,951	$228,454	$243,526	$21,497
2018	$216,627	$233,581	$215,794	$-16,954

POLISH AMERICAN CLUB OF AGAWAM