PALATINE SWIM TEAM

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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

Legal Domicile

Principal Officer

AMY NICOLOSI

Phone

8473729168

Tax Period

2025-01-01 to 2025-12-31

PALATINE SWIM TEAM is a small nonprofit in the Recreation & Sports sector that reported $504K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $561K exceeded revenue, resulting in a 11% operating deficit.

Mission

PROMOTE THE SPORT OF SWIMMING

Program Service Accomplishments

Program 1

Expenses: $424,634 Revenue: $498,599

PROMOTION OF THE SPORT OF SWIMMING FOR SWIMMERS OF ALL AGES AND ABILITIES. TEAM MEMBERSHIP WAS OVER 200 SWIMMERS DURING THE YEAR. THE TEAM PROMOTES SPORTSMANSHIP, TEAMWORK, SELF IMPROVEMENT, HEALTH...

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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 $498,598

Investment Income $5,686

Other Revenue $0

TOTAL REVENUE $504,284

Expense Breakdown

Grants Paid $0

Salaries & Benefits $208,213

Fundraising Expenses $0

Program Expenses $424,634

Other Expenses $352,394

TOTAL EXPENSES $560,607

Year-over-Year Comparison

	2025	2024	Change
Revenue	$504,284	$450,559	+0.1%
Expenses	$560,607	$447,741	+0.3%
Net Income	$-56,323	$2,818	-21.0%

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

N/A

Volunteers

175

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
GABRIELA BESS	DIRECTOR OF	2.00	Officer	$0	$0	$0
ANGELINE GIANGRECO	ESCROW DIREC	3.00	Officer	$0	$0	$0
SCOTT JENNINGS	CASH MANAGER	2.00	Officer	$0	$0	$0
SRUJANA KANCHARIA	VOLUNTEE COO	1.00	Officer	$0	$0	$0
TALITHA KLEHM	PRESIDENT	10.00	Officer	$0	$0	$0
RYAN MCKINNEY	MEET DIRECTO	2.00	Officer	$0	$0	$0
AMY NICOLOSI	TREASURER	8.00	Officer	$0	$0	$0
CHRISTINA ODACHOWSKI	DIR. OF FUND	1.00	Officer	$0	$0	$0
KATE PALARZ	SECRETARY	1.00	Officer	$0	$0	$0
AGATA RULKOWSKI	VICE PRESIDE	3.00	Officer	$0	$0	$0
JACEK RULKOWSKI	MEET DIRECTO	2.00	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
2025	$504,284	$560,607	$278,945	$-56,323
2024	$450,559	$447,741	$281,763	$2,818
2023	$468,618	$449,125	$322,026	$19,493
2022	$489,117	$452,221	$316,101	$36,896
2021	$395,741	$449,971	$270,999	$-54,230
2020	$241,190	$339,370	$320,284	$-98,180
2019	$437,148	$431,021	$417,258	$6,127
2018	$432,013	$428,285	$322,969	$3,728