NORTH WARD SOCIAL CLUB

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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

1941

Legal Domicile

Principal Officer

APRIL KRAUSE

Phone

5703851368

Tax Period

2023-01-01 to 2023-12-31

NORTH WARD SOCIAL CLUB, founded in 1941, is a small nonprofit in the Recreation & Sports sector that reported $201K in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. Expenses of $226K exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROMOTE FRIENDSHIP AND SOCIABILITY TO INDIVIDUALS IN THE SCHUYLKILL HAVEN AND SURROUNDING AREA.

Program Service Accomplishments

Program 1

TO PROMOTE FRIENDSHIP, SOCIABILITY, AND AID TO INDIVIDUALS IN SCHUYLKILL HAVEN AND THE SURROUNDING AREA.

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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 $9,484

Program Service Revenue $0

Investment Income $38

Other Revenue $191,323

TOTAL REVENUE $200,845

Expense Breakdown

Grants Paid $0

Salaries & Benefits $91,930

Fundraising Expenses $0

Other Expenses $134,234

TOTAL EXPENSES $226,164

Year-over-Year Comparison

	2023	2022	Change
Revenue	$200,845	$224,178	-0.1%
Expenses	$226,164	$216,920	+0.0%
Net Income	$-25,319	$7,258	-4.5%

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
RAYMOND GRADWELL	Trustee	10.00	Director	$0	$0	$0
JASON BENSINGER	Trustee	3.00	Director	$0	$0	$0
PAT FATULA	Trustee	5.00	Director	$0	$0	$0
DAVID POTTS	Trustee	3.00	Director	$0	$0	$0
BRYAN HECK	Trustee	2.00	Director	$0	$0	$0
PEGGY UNDERWOOD	President	2.00	Officer	$0	$0	$0
DAVID MOYER	Vice President	2.00	Officer	$0	$0	$0
SANDY HECK	Secretary	2.00	Officer	$0	$0	$0
KAREN DECARR	Treasurer	2.00	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$200,845	$226,164	$1,401,387	$-25,319
2022	$224,178	$216,920	$1,465,913	$7,258
2021	$446,739	$197,027	$1,546,734	$249,712
2020	$114,917	$126,388	$1,555,776	$-11,471
2019	$202,452	$134,379	$1,108,715	$68,073
2018	$235,183	$169,506	$798,806	$65,677