SCOTTISH TERRIER CLUB OF AMERICA

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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

1900

Legal Domicile

Principal Officer

Steve Russell

Phone

3129527547

Tax Period

2025-01-01 to 2025-12-31

SCOTTISH TERRIER CLUB OF AMERICA, founded in 1900, is a small nonprofit that reported $149K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Net assets of $503K represent 41 months of operating reserves.

Mission

THE SCOTTISH TERRIER CLUB OF AMERICA STCA IS DEDICATED TO THE PEDIGREE DOG AND ADHERENCE TO SOUND PRINCIPLES THAT ENABLE THIS WONDERFUL BREED TO FLOURISH.

Program Service Accomplishments

Program 1

Expenses: $38,220 Revenue: $43,837

Bagpiper: Official Publication of The Scottish Terrier Club Of American

Program 2

Expenses: $24,312 Revenue: $25,383

MONTGOMERY NATIONAL SPECIALTY: ANNUAL NATIONAL DOG SHOW.

Program 3

Expenses: $15,590 Revenue: $8,030

ROTATING SPECIALTY: ROTATING NATIONAL DOG 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 $62,170

Program Service Revenue $73,834

Investment Income $11,620

Other Revenue $914

TOTAL REVENUE $148,538

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $78,122

Other Expenses $146,823

TOTAL EXPENSES $146,823

Year-over-Year Comparison

	2025	2024	Change
Revenue	$148,538	$127,297	+0.2%
Expenses	$146,823	$145,656	+0.0%
Net Income	$1,715	$-18,359	-1.1%

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

N/A

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
PAMELA WILLIAMS	PRESIDENT	40.00	Director	$0	$0	$0
ANN DAVIS	VICE PRESIDENT	25.00	Director	$0	$0	$0
KATHLEEN DUNLEAVY	RECORDING SECRETARY	25.00	Director	$0	$0	$0
AMY PELLE	CORRESPONDING SECRETARY	25.00	Director	$0	$0	$0
STEVE RUSSELL	TREASURER	25.00	Director	$0	$0	$0
HELEN PRINCE	AKC DELEGATE	5.00	Director	$0	$0	$0
SUSAN JACOBSEN	DIRECTOR	5.00	Director	$0	$0	$0
JEFF JONES	DIRECTOR	5.00	Director	$0	$0	$0
LISA KINCHELOE	DIRECTOR	5.00	Officer	$0	$0	$0
CHRISTINE O'BRIEN	DIRECTOR	5.00	Officer	$0	$0	$0
DR DANICA BURGE	DIRECTOR	5.00	Officer	$0	$0	$0
SHEILA-FAITH BARRY	DIRECTOR	5.00	Officer	$0	$0	$0
ROBBIE GARVIN	DIRECTOR	5.00	Officer	$0	$0	$0
THERESA MATTHEWS STEWART	DIRECTOR	5.00	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	$148,538	$146,823	$503,357	$1,715
2024	No data	No data	No data	No data
2023	$119,463	$136,009	$526,368	$-16,546