CIVIC CLUB OF SHIPPENSBURG

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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

1925

Legal Domicile

Principal Officer

CAROLYN REDDIG

Phone

7175307900

Tax Period

2025-01-01 to 2025-12-31

CIVIC CLUB OF SHIPPENSBURG, founded in 1925, is a small nonprofit that reported $228K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $55K, a strong 24% operating margin.

Mission

TO DEVELOP THE EDUCATIONAL AND CIVIC INTEREST OF ITS MEMBERS AND TO ADVANCE THE WELFARE OF THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $52,603

THE CIVIC CLUB OWNS AND MAINTAINS THE OLD COURT HOUSE, HISTORIC BUILDING OPEN TO THE PUBLIC, SCHOOL CHILDREN AND OTHERS. THE GARDEN IS MAINTAINED AND OPEN TO THE PUBLIC.

Program 2

Expenses: $38,146

THE CIVIC CLUB EMPLOYS THE COMMUNITY NURSE. THIS PROGRAM BENEFITS UP TO 150 PEOPLE PER MONTH AT NO COST TO THE PATIENT. THE NURSE ALSO GIVES LECTURES AND EDUCATES.

Program 3

Expenses: $5,250

GENERAL AND MEDICAL SCHOLARSHIPS ARE AWARDED EACH YEAR TO STUDENTS ATTENDING POST SECONDARY SCHOOLS.

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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 $166,485

Program Service Revenue $18,640

Investment Income $42,580

Other Revenue $0

TOTAL REVENUE $227,705

Expense Breakdown

Grants Paid $7,443

Salaries & Benefits $27,632

Fundraising Expenses $0

Program Expenses $157,454

Other Expenses $137,704

TOTAL EXPENSES $172,779

Year-over-Year Comparison

	2025	2024	Change
Revenue	$227,705	$194,463	+0.2%
Expenses	$172,779	$160,189	+0.1%
Net Income	$54,926	$34,274	+0.6%

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

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
CAROLYN REDDIG	PRESIDENT	8.00	Officer Director	$0	$0	$0
TERI FRANCIOSE	TREASURER	8.00	Officer Director	$0	$0	$0
ANITA RICKABAUGH	ASSISTANT TREASURER	5.00	Officer Director	$0	$0	$0
SUZANNE HILDABRAND	RECORDING SECRETARY	3.00	Officer Director	$0	$0	$0
MARY BETH FISHEL	DIRECTOR	3.00	Director	$0	$0	$0
SANDRA MAILEY	DIRECTOR	5.00	Director	$0	$0	$0
ANDREA SNOKE	DIRECTOR	5.00	Director	$0	$0	$0
KELLY LUHRS	DIRECTOR	3.00	Director	$0	$0	$0
JOAN FREEMAN	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
LINDA BASLER	DIRECTOR	8.00	Director	$0	$0	$0
STELLA MEARS	DIRECTOR	3.00	Director	$0	$0	$0
PRISCILLA SMITH	DIRECTOR	3.00	Director	$0	$0	$0
MARY ANN FOGELSANGER	DIRECTOR	3.00	Director	$0	$0	$0
ALLISON FEICK-BEATTIE	DIRECTOR	3.00	Director	$0	$0	$0
SHARON GILBERT	DIRECTOR	3.00	Director	$0	$0	$0
BONNIE HORN	DIRECTOR	5.00	Director	$0	$0	$0
NICOLE HILL	CORRESPONDING SECRETARY	3.00	Officer Director	$0	$0	$0
KIM SPENCER	PUBLIC RELATIONS	3.00	Director	$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	$227,705	$172,779	$3,814,758	$54,926
2024	$194,463	$160,189	$3,468,005	$34,274
2023	$230,273	$170,119	$3,279,256	$60,154
2022	$158,161	$351,281	$3,037,437	$-193,120
2021	$216,299	$131,473	$3,811,734	$84,826
2020	$211,349	$106,643	$3,521,489	$104,706
2019	$149,871	$98,727	$1,243,933	$51,144
2018	$186,075	$101,239	$1,194,549	$84,836