Carroll County Veterans 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

1945

Legal Domicile

Principal Officer

Ron Snair

Phone

3306272819

Tax Period

2025-01-01 to 2025-12-31

Carroll County Veterans Club, founded in 1945, is a micro nonprofit in the Recreation & Sports sector that reported $62K in total revenue in fiscal year 2025. Revenue decreased 11% compared to the prior year. Expenses of $80K exceeded revenue, resulting in a 30% operating deficit.

Mission

Provide a social club where veterans and other members can meet

Program Service Accomplishments

Program 1

Provide a social club for honorably discharged Unted States Armed Forces Veterans and active duty members of the same. To accept like-minded and approved non-veteran members. To unite the members in the bonds of friendship and fellowship. To encourage service minded persons to serve their community with personal financail reward. Provide several social events over the year for the members. Supported several charities and local governmental units with charitable donations to help further their cause.

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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 $17,640

Program Service Revenue $8,200

Investment Income $0

Other Revenue $36,058

TOTAL REVENUE $61,898

Expense Breakdown

Grants Paid $3,920

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $76,405

TOTAL EXPENSES $80,325

Year-over-Year Comparison

	2025	2024	Change
Revenue	$61,898	$69,166	-0.1%
Expenses	$80,325	$69,741	+0.2%
Net Income	$-18,427	$-575	+31.0%

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
Ron Snair	President	15.00	Officer Director	$0	$0	$0
Randy Jones	Liason	10.00	Officer Director	$0	$0	$0
Dave Lange	Secretary	5.00	Officer Director	$0	$0	$0
Tim Cordray	Treasurer	10.00	Officer Director	$0	$0	$0
Jeff Keyser	Vice President	5.00	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
2025	$61,898	$80,325	$82,550	$-18,427
2024	$69,166	$69,741	$102,832	$-575
2023	$94,060	$46,193	$99,344	$47,867
2022	$116,391	$119,760	$51,758	$-3,369
2021	$128,266	$95,570	$53,515	$32,696