NAVY CLUB OF LAFAYETTE INDIANA SHIP 12 INC (EIN 351794997) - 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

1940

Legal Domicile

Principal Officer

MIKE EMMONS

Phone

7654470500

Tax Period

2025-01-01 to 2025-12-31

NAVY CLUB OF LAFAYETTE INDIANA SHIP 12 INC, founded in 1940, is a small nonprofit that reported $758K in total revenue in fiscal year 2025. Revenue fell 48% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $601K, a strong 79% operating margin.

Mission

TO PROVIDE COMRADSHIP AND SUPPORT FOR ITS ACTIVE AND NON ACTIVE MEMBERS OF THE NAVY, COAST GUARD, AND MARINES.

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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 $0

Program Service Revenue $0

Investment Income $0

Other Revenue $758,178

TOTAL REVENUE $758,178

Expense Breakdown

Grants Paid $0

Salaries & Benefits $53,055

Fundraising Expenses $0

Other Expenses $104,366

TOTAL EXPENSES $157,421

Year-over-Year Comparison

	2025	2024	Change
Revenue	$758,178	$1,466,157	-0.5%
Expenses	$157,421	$143,355	+0.1%
Net Income	$600,757	$1,322,802	-0.5%

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

209

Independent Members

209

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

$19,656

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE EMMONS	COMMANDER	10.00	Officer	$0	$0	$0
DAWN FRUITS	TRUSTEE	30.00	Officer	$19,656	$0	$19,656

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	$758,178	$157,421	$3,316,455	$600,757
2024	No data	No data	No data	No data
2023	$144,916	$121,541	$1,392,896	$23,375
2022	$159,240	$145,840	$1,393,407	$13,400
2021	$155,043	$123,638	$797,800	$31,405
2020	$144,714	$109,748	$777,690	$34,966
2019	$177,038	$144,322	$643,406	$32,716
2018	$180,624	$139,715	$528,410	$40,909

NAVY CLUB OF LAFAYETTE INDIANA SHIP 12 INC