SLOVAK J 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

DEBRA SPECK

Phone

3307869972

Tax Period

2024-01-01 to 2024-12-31

SLOVAK J CLUB, founded in 1941, is a small nonprofit that reported $335K in total revenue in fiscal year 2024. Revenue surged 165% from the prior year, signaling strong growth momentum. The organization ran a surplus of $92K, a strong 28% operating margin.

Mission

ORGANIZATIONS EXEMPT PURPOSE IS TO OPERATE A SOCIAL CLUB WHERE PEOPLE OF SLOVAK DESCENT CAN GATHER FRATERNALIZE AND LEARN ABOUT SLOVAK CUSTOMS.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

ORGANIZATIONS MISSION IS TO FURTHER THE KNOWLEDGE OF SLOVAK ETHNICITY TO YOUNG MEMBERS.

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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 $50,250

Program Service Revenue $248,172

Investment Income $172

Other Revenue $36,259

TOTAL REVENUE $334,853

Expense Breakdown

Grants Paid $0

Salaries & Benefits $35,505

Fundraising Expenses $0

Program Expenses $0

Other Expenses $207,203

TOTAL EXPENSES $242,708

Year-over-Year Comparison

	2024	2023	Change
Revenue	$334,853	$126,390	+1.6%
Expenses	$242,708	$125,456	+0.9%
Net Income	$92,145	$934	+97.7%

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
DEBRA A SPECK	PRESIDENT	55.00	Officer Director	$0	$0	$0
JOAN LEWIS	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
LINDA M HANKO	SECRETARYTREASURER	15.00	Officer Director	$0	$0	$0
DIANA MINOR	RECORDING SECRETARY	10.00	Officer Director	$0	$0	$0
PAULA DANISH	TRUSTEE	10.00	Officer Director	$0	$0	$0
JAY FAZEK	TRUSTEE	5.00	Officer Director	$0	$0	$0
ROBERT DANISH	TRUSTEE	10.00	Officer 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	$334,853	$242,708	$212,382	$92,145
2022	$262,504	$259,824	$174,332	$2,680
2021	$227,167	$216,067	$180,610	$11,100
2020	$223,280	$236,397	$177,368	$-13,117
2018	$239,896	$229,438	$110,213	$10,458