ELGIN RIVERSIDE CLUB (EIN 361036055) - 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

1886

Legal Domicile

Principal Officer

DAVID T SCHULTZ

Phone

8477410387

Tax Period

2025-01-01 to 2025-12-31

ELGIN RIVERSIDE CLUB, founded in 1886, is a small nonprofit that reported $215K in total revenue in fiscal year 2025.

Mission

SOCIAL FRATERNAL ORGANIZATION

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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 $23,239

Program Service Revenue $0

Investment Income $3,821

Other Revenue $188,236

TOTAL REVENUE $215,296

Expense Breakdown

Grants Paid $4,294

Salaries & Benefits $86,351

Fundraising Expenses $0

Other Expenses $118,262

TOTAL EXPENSES $208,907

Year-over-Year Comparison

	2025	2024	Change
Revenue	$215,296	$211,731	+0.0%
Expenses	$208,907	$202,713	+0.0%
Net Income	$6,389	$9,018	-0.3%

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

$6,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE COOK	PRESIDENT	5.00	Officer	$0	$0	$0
JOHN SCHROEDER	VICE PRESIDENT	125.00	Officer	$0	$0	$0
DOUGLAS HORTON	SECRETARY	2.50	Officer	$0	$0	$0
DAVID SCHULTZ	TREASURER	15.00	Officer	$6,000	$0	$6,000
ZAC TIKNIS	TRUSTEE	5.00	Director	$0	$0	$0
ADAM LINDSTEN	TRUSTEE	5.00	Director	$0	$0	$0
JASON SMITH	TRUSTEE	5.00	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	$215,296	$208,907	$231,496	$6,389
2024	$211,731	$202,713	$228,304	$9,018
2023	$179,065	$200,675	$224,802	$-21,610
2022	$158,669	$180,166	$208,821	$-21,497
2021	$94,934	$78,575	$232,868	$16,359
2020	$41,083	$71,345	$218,983	$-30,262

ELGIN RIVERSIDE CLUB