Learning Club of Toledo (EIN 341721196) - 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

1998

Legal Domicile

Principal Officer

Deborah Apgar

Phone

4193602842

Tax Period

2024-07-01 to 2025-06-30

Learning Club of Toledo, founded in 1998, is a small nonprofit in the Education sector that reported $282K in total revenue in fiscal year 2024.

Mission

LEARNING CLUB OF TOLEDO provides after school programs at no charge to low income urdan youth. Our programs focus on Reading, Mathematics, goal setting and self discipline helps students obtain skills to succeed in life

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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 $281,647

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $281,647

Expense Breakdown

Grants Paid $0

Salaries & Benefits $192,227

Fundraising Expenses $9,892

Program Expenses $248,077

Other Expenses $91,123

TOTAL EXPENSES $283,350

Year-over-Year Comparison

	2024	2023	Change
Revenue	$281,647	$291,538	0.0%
Expenses	$283,350	$306,821	-0.1%
Net Income	$-1,703	$-15,283	-0.9%

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

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

$5,200

Key Employees

$103,774

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Deborah Apgar Director	5800 Monroe St F5 Sylvania OH 43560	55.00	Key Emp	$84,000	$14,574	$98,574
Stan Lepiarz Treasurer	7528 Timbers Blvd Waterville OH 43566	15.00	Director Key Emp	$5,200	$0	$5,200
Ken Knight Secretary	22 N Erie Toledo OH 43604	1.00	Director	$0	$0	$0
Dan LaValley Chair	5800 Monroe St F Sylvania OH 43560	2.00	Director	$0	$0	$0
Scott Brown Vice Chair	5800 Monroe St F5 Sylvania OH 43560	1.00	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
2025	$281,647	$283,350	$6,315	$-1,703
2024	$291,538	$306,821	$7,804	$-15,283
2023	$318,172	$351,934	$22,658	$-33,762
2022	$335,973	$331,539	$59,099	$4,434
2021	$246,985	$259,718	$54,458	$-12,733

Learning Club of Toledo