UNITED POLISH CLUB (EIN 340589967) - 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

1945

Legal Domicile

Principal Officer

BRIAN MOWRY

Phone

4403226829

Tax Period

2025-01-01 to 2025-12-31

UNITED POLISH CLUB, founded in 1945, is a small nonprofit that reported $298K in total revenue in fiscal year 2025. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $351K exceeded revenue, resulting in a 18% operating deficit.

Mission

MAINTAIN A FACILITY FOR CLUB MEMBERS AND PROMOTE THE POLISH CULTURE AND HERITAGE

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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 $53,355

Program Service Revenue $0

Investment Income $19,883

Other Revenue $224,691

TOTAL REVENUE $297,929

Expense Breakdown

Grants Paid $0

Salaries & Benefits $139,203

Fundraising Expenses $0

Other Expenses $211,678

TOTAL EXPENSES $350,881

Year-over-Year Comparison

	2025	2024	Change
Revenue	$297,929	$397,728	-0.3%
Expenses	$350,881	$351,754	0.0%
Net Income	$-52,952	$45,974	-2.2%

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

$24,550

Total Directors

$75,338

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN BOROWY	STEWARD	040.00	Director	$46,588	$0	$46,588
BRIAN MOWRY	FINANCIAL SECRETARY	005.00	Officer Director	$12,000	$0	$12,000
MARK MACOVINA	PRESIDENT	005.00	Officer Director	$4,000	$0	$4,000
CHRIS MOWRY	VICE PRES	005.00	Officer Director	$2,400	$0	$2,400
SCOTT DELEWSKI	TREASURER	005.00	Officer Director	$2,250	$0	$2,250
JOHN KROLL	TRUSTEE	005.00	Director	$2,100	$0	$2,100
BRETT FINNEGAN	TRUSTEE	005.00	Director	$2,100	$0	$2,100
TIM GALANT	TRUSTEE	005.00	Officer Director	$2,100	$0	$2,100
BRIAN HAYES	RECORDING SECRETARY	005.00	Officer Director	$1,800	$0	$1,800

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	$297,929	$350,881	$1,181,584	$-52,952
2024	$397,728	$351,754	$1,234,754	$45,974
2023	$372,731	$370,339	$1,190,566	$2,392
2022	$283,222	$339,432	$1,186,718	$-56,210
2021	$435,508	$391,571	$1,242,800	$43,937
2020	$278,647	$349,265	$1,198,471	$-70,618

UNITED POLISH CLUB