POLISH UNITED CLUB INC

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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

1929

Legal Domicile

Phone

9149378989

Tax Period

2025-01-01 to 2025-12-31

POLISH UNITED CLUB INC, founded in 1929, is a micro nonprofit that reported $53K in total revenue in fiscal year 2025. Revenue fell 47% from the prior year — a significant decline worth monitoring. Expenses of $104K exceeded revenue, resulting in a 96% operating deficit.

Mission

TEACHING OUR CHILDREN THEIR CULTURE AND HERITAGE, PROMOTE GOOD CITIZENSHIP, POLISH LANGUAGE SCHOOL

Program Service Accomplishments

Program 1

Expenses: $10,000 Revenue: $0

PROMOTE GOOD CITIZENSHIP, POLISH LANGUAGE SCHOOL. CULTURAL EVENTS

Program 2

Expenses: $10,000 Revenue: $0

CHRISTMAS, EASTER AND POLISH CULTURE SHOWS

Program 3

Expenses: $5,000 Revenue: $0

POLISH MAY INDEPENDENCE DAY SHOW AND SPRING SHOW

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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 $0

Other Revenue $52,790

TOTAL REVENUE $52,790

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $25,000

Other Expenses $103,517

TOTAL EXPENSES $103,517

Year-over-Year Comparison

	2025	2024	Change
Revenue	$52,790	$98,686	-0.5%
Expenses	$103,517	$94,377	+0.1%
Net Income	$-50,727	$4,309	-12.8%

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

N/A

Employees

N/A

Volunteers

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
TEDDY ZAWADZKI	PRESIDENT	5	Officer	$0	$0	$0
WENDY KREMPA	FINANCIAL SECRETARY	1	Officer	$0	$0	$0
PETER ZAWADZKI	RECORDING SECRETARY	1	Officer	$0	$0	$0
EDWARD LIPOWIECKI	TREASURER	2	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	$52,790	$103,517	$131,327	$-50,727
2024	$98,686	$94,377	$182,054	$4,309
2023	$130,483	$100,181	$177,745	$30,302
2022	$139,377	$122,101	$147,443	$17,276
2021	$76,996	$80,199	$130,167	$-3,203
2020	$59,220	$80,172	$133,370	$-20,952