S M AND S F CLUB (EIN 361718740) - 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

1899

Legal Domicile

Principal Officer

ROD BYLSMA

Phone

8159782209

Tax Period

2024-01-01 to 2024-12-31

S M AND S F CLUB, founded in 1899, is a small nonprofit in the Mutual Benefit sector that reported $433K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $385K left a modest 11% surplus.

Mission

SM AND SF CLUB UNITES PEOPLE IN THE SPIRIT OF LIBERTY, TRUTH, JUSTICE AND EQUALITY TO MAKE HUMAN LIFE MORE DESIRABLE BY LESSENING ITS ILLS, AND BY PROMOTING PEACE, PROSPERITY, GLADNESS, AND HOPE.

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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 $123,604

Program Service Revenue $84,555

Investment Income $2,501

Other Revenue $221,919

TOTAL REVENUE $432,579

Expense Breakdown

Grants Paid $0

Salaries & Benefits $20,721

Fundraising Expenses $0

Other Expenses $364,251

TOTAL EXPENSES $384,972

Year-over-Year Comparison

	2024	2023	Change
Revenue	$432,579	$353,476	+0.2%
Expenses	$384,972	$370,886	+0.0%
Net Income	$47,607	$-17,410	-3.7%

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

900

Independent Members

900

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN BRENNEN	DIRECTOR	N/A	Director	$0	$0	$0
ROGER HANSEN	DIRECTOR	N/A	Director	$0	$0	$0
JACK MCCURRY	DIRECTOR	N/A	Director	$0	$0	$0
ROD BYLSMA	FINANCIAL SE	N/A	Officer	$0	$0	$0
JAY COFFMAN	PRESIDENT	N/A	Officer	$0	$0	$0
PAT GOLEY	RECORDING SE	N/A	Officer	$0	$0	$0
ANDY LAMM	VP	N/A	Officer	$0	$0	$0
DAVE MOORE	TREASURER	N/A	Officer	$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
2024	$432,579	$384,972	$685,298	$47,607
2023	$353,476	$370,886	$657,067	$-17,410
2022	$332,886	$285,999	$657,139	$46,887
2021	$489,038	$274,329	$600,045	$214,709
2021	$401,115	$274,329	$512,122	$126,786
2020	$401,595	$442,188	$270,429	$-40,593
2019	$494,081	$456,187	$242,915	$37,894
2018	$479,192	$470,101	$242,915	$9,091

S M AND S F CLUB