ROCKFORD WOMAN'S 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

1911

Legal Domicile

Principal Officer

NANCY WHITLOCK

Phone

8159654233

Tax Period

2024-07-01 to 2025-06-30

ROCKFORD WOMAN'S CLUB, founded in 1911, is a small nonprofit in the Community Improvement sector that reported $123K in total revenue in fiscal year 2024. Expenses of $138K exceeded revenue, resulting in a 13% operating deficit.

Mission

THE ROCKFORD WOMAN'S CLUB SERVES TO PROMOTE AND ENCOURAGE PHILANTHROPY, CIVIC AND CULTURAL IMPROVEMENT, EDUCATION AND THE PRESERVATION OF OUR HISTORIC CLUBHOUSE. WE SUPPORT AND OFFER OPPORTUNITIES FOR GROWTH AND SERVICE FOR ALL WOMEN IN OUR COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $114,159 Revenue: $44,674

ROCKFORD WOMAN'S CLUB SUPPORTS LITERACY EDUCATION IN THE ROCKFORD COMMUNITY BY PROVIDING VOLUNTEERS FOR COMMUNITY PROGRAMS SUCH AS THE READING ALIVE PROGRAM FOR SCHOOL-AGED CHILDREN.

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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 $46,369

Program Service Revenue $8,760

Investment Income $17,841

Other Revenue $49,830

TOTAL REVENUE $122,800

Expense Breakdown

Grants Paid $5,933

Salaries & Benefits $11,972

Fundraising Expenses $0

Program Expenses $114,159

Other Expenses $120,275

TOTAL EXPENSES $138,180

Year-over-Year Comparison

	2024	2023	Change
Revenue	$122,800	$115,600	+0.1%
Expenses	$138,180	$143,017	0.0%
Net Income	$-15,380	$-27,417	-0.4%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY WHITLOCK	PRESIDENT	15.00	Officer Director	$0	$0	$0
CHARLENE DUNN	SECOND VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
ELISE CADIGAN	DIRECTOR	2.00	Director	$0	$0	$0
SUE LEWANDOWSKI	DIRECTOR	2.00	Director	$0	$0	$0
PATTI WERCKLE	DIRECTOR	2.00	Director	$0	$0	$0
SUSI LAMBERT	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH THALMAN	DIRECTOR	2.00	Director	$0	$0	$0
NANCY PERRY	DIRECTOR	2.00	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	$122,800	$138,180	$462,809	$-15,380
2024	$115,600	$143,017	$449,292	$-27,417
2023	$91,928	$135,488	$459,737	$-43,560
2022	$133,585	$125,254	$487,644	$8,331
2021	$81,529	$113,263	$536,757	$-31,734
2020	$103,642	$130,535	$530,645	$-26,893
2019	$160,494	$196,543	$556,102	$-36,049
2018	$164,464	$174,119	$584,846	$-9,655