POLISH AMERICAN 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

1909

Legal Domicile

Principal Officer

DEAN LEWANDOWSKI

Phone

7249845333

Tax Period

2023-01-01 to 2023-12-31

POLISH AMERICAN CLUB, founded in 1909, is a micro nonprofit in the Recreation & Sports sector that reported $64K in total revenue in fiscal year 2023. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $83K exceeded revenue, resulting in a 29% operating deficit.

Mission

TO PROPAGATE FRIENDSHIP AND GOODWILL AMONG ITS MEMBERS AND TO GIVE THESE MEMBERS MATERIAL AND MORAL SUPPORT IN TIME OF NEED.

Program Service Accomplishments

Program 1

Expenses: $80,900 Revenue: $57,143

TO PROPAGATE FRIENDSHIP AND GOODWILL AMONG ITS MEMBERS AND TO GIVE THESE MEMBERS MATERIAL AND MORAL SUPPORT IN TIME OF NEED.

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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 $6,750

Program Service Revenue $0

Investment Income $0

Other Revenue $57,143

TOTAL REVENUE $63,893

Expense Breakdown

Grants Paid $0

Salaries & Benefits $30,275

Fundraising Expenses $0

Program Expenses $80,900

Other Expenses $52,385

TOTAL EXPENSES $82,660

Year-over-Year Comparison

	2023	2022	Change
Revenue	$63,893	$50,595	+0.3%
Expenses	$82,660	$78,304	+0.1%
Net Income	$-18,767	$-27,709	-0.3%

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
ALBERT KILIANY III	PRESIDENT	2.00	Officer Director	$0	$0	$0
FRANK FRATTO	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
PETE FRATTO	RECORDING SECRETARY	2.00	Officer Director	$0	$0	$0
DEAN LEWANDOWSKI	FINANCIAL SECRETARY	5.00	Officer Director	$0	$0	$0
PETE LUZCKA	TRUSTEE	2.00	Director	$0	$0	$0
RYAN LEWANDOWSKI	TRUSTEE	2.00	Director	$0	$0	$0
N/A	TRUSTEE	2.00	Director	$0	$0	$0
JEFF SCHEFFBEAUR	AUDITOR	2.00	Director	$0	$0	$0
JAMES KEEFER	AUDITOR	2.00	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
2024	No data	No data	No data	No data
2023	$63,893	$82,660	$63,713	$-18,767
2022	$50,595	$78,304	$82,132	$-27,709
2021	$75,717	$73,210	$109,338	$2,507
2020	$91,967	$73,702	$107,018	$18,265
2019	$80,833	$91,321	$88,708	$-10,488
2018	$105,310	$103,648	$99,568	$1,662