SLOVAK AMERICAN CITIZENS MUTAL BENEFIT CLUB (EIN 250915509) - 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

1933

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

SLOVAK AMERICAN CITIZENS MUTAL BENEFIT CLUB, founded in 1933, is a small nonprofit that reported $118K in total revenue in fiscal year 2023. Expenses of $142K exceeded revenue, resulting in a 20% operating deficit.

Mission

TO PROVIDE SERVICES AND FUNCTIONS TO THEIR MEMBERS AND THEIR FAMILIES

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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 $3,225

Program Service Revenue $0

Investment Income $20,838

Other Revenue $93,696

TOTAL REVENUE $117,759

Expense Breakdown

Grants Paid $0

Salaries & Benefits $64,877

Fundraising Expenses $0

Program Expenses $141,883

Other Expenses $77,006

TOTAL EXPENSES $141,883

Year-over-Year Comparison

	2023	2022	Change
Revenue	$117,759	$115,962	+0.0%
Expenses	$141,883	$126,449	+0.1%
Net Income	$-24,124	$-10,487	+1.3%

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

N/A

Independent Members

N/A

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
CHARLES KUROWSKI	FINANCIAL SECRETARY AND TREAS	20.00	Director	$0	$0	$0
DAVE LEGERSKI	DIRECTOR	10.00	Director	$0	$0	$0
NICK PETRONKA	DIRECTOR	15.00	Director	$0	$0	$0
SAM MARRA	PRESIDENT AND STEWARD	26.00	Director	$0	$0	$0
RICHARD J NARASKIVITCH	RECORDING SECRETARY	10.00	Director	$0	$0	$0
JOHN CUKRYZNSKI	VICE PRESIDENT AND DIRECTOR	10.00	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
2023	$117,759	$141,883	$687,950	$-24,124

SLOVAK AMERICAN CITIZENS MUTAL BENEFIT CLUB