NATIONAL EXCHANGE CLUB OF LITTLE FALLS (EIN 237009744) - 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

1948

Legal Domicile

Principal Officer

JUSTIN BIEGANEK

Phone

3203606661

Tax Period

2024-01-01 to 2024-12-31

NATIONAL EXCHANGE CLUB OF LITTLE FALLS, founded in 1948, is a small nonprofit that reported $153K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $148K left a modest 3% surplus.

Mission

FOR LOCAL BUSINESS PEOPLE TO GATHER AND DISCUSS LOCAL ISSUES AND HEAR PROGRAMS OF INTEREST TO THE COMMUNITY AND MANKIND.

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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 (2024)

Revenue Breakdown

Contributions & Grants $10,950

Program Service Revenue $-24

Investment Income $19

Other Revenue $142,464

TOTAL REVENUE $153,409

Expense Breakdown

Grants Paid $52,426

Salaries & Benefits $85,852

Fundraising Expenses $85,852

Program Expenses $62,257

Other Expenses $9,912

TOTAL EXPENSES $148,190

Year-over-Year Comparison

	2024	2023	Change
Revenue	$153,409	$137,708	+0.1%
Expenses	$148,190	$137,895	+0.1%
Net Income	$5,219	$-187	-28.9%

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

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

$51,524

Total Directors

$51,524

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAULA QUINN	ASSISTANT GM/ SECRETARY	1.00	Officer Director	$13,353	$0	$13,353
JUSTIN PIOTROWSKI	GAMBLING MANAGER	1.00	Officer Director	$38,171	$0	$38,171
ROBB ORR	TREASURER	1.00	Officer Director	$0	$0	$0
JUSTIN BIEGANEK	PRESIDENT	1.00	Officer Director	$0	$0	$0
JON VETTER	MEMBER	0.50	Director	$0	$0	$0
RAY SHULTE	MEMBER	0.50	Director	$0	$0	$0
KEVIN LARSON	MEMBER	0.50	Director	$0	$0	$0
SHAWN FLAVIN	MEMBER	0.50	Director	$0	$0	$0
CARY BELCHINGER - GORKA	MEMBER	0.50	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
2024	$153,409	$148,190	$77,439	$5,219
2023	$137,708	$137,895	$73,496	$-187
2022	$166,225	$175,111	$73,041	$-8,886
2021	$163,221	$134,222	$81,324	$28,999
2020	$62,980	$54,051	$51,186	$8,929
2019	$109,186	$96,943	$42,049	$12,243
2018	$59,765	$57,026	$30,838	$2,739

NATIONAL EXCHANGE CLUB OF LITTLE FALLS