UPPER PENINSULA CLUB (EIN 381744220) - 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

1922

Legal Domicile

Principal Officer

JOHN T KERRIGAN

Phone

3135108407

Tax Period

2024-01-01 to 2024-12-31

UPPER PENINSULA CLUB, founded in 1922, is a micro nonprofit that reported $78K in total revenue in fiscal year 2024. Net assets of $307K represent 47 months of operating reserves.

Mission

THE UPPER PENINSULA CLUB WAS ESTABLISHED TO PROMOTE THE FELLOWSHIP AND SPORTSMANSHIP OF ITS MEMBERS AND FAMILIES AS A SOCIAL CLUB ESTABLISHED UNDER SEC 501C7.

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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 $61,268

Program Service Revenue $0

Investment Income $2

Other Revenue $17,152

TOTAL REVENUE $78,422

Expense Breakdown

Grants Paid $1,214

Salaries & Benefits $13,156

Fundraising Expenses $0

Program Expenses $1,214

Other Expenses $65,198

TOTAL EXPENSES $79,568

Year-over-Year Comparison

	2024	2023	Change
Revenue	$78,422	$74,245	+0.1%
Expenses	$79,568	$78,372	+0.0%
Net Income	$-1,146	$-4,127	-0.7%

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

Independent Members

263

Employees

Volunteers

N/A

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
JOHN KERRIGAN	PRESIDENT	002.00	Officer Director	$0	$0	$0
MICHELE LUNDBERG	TREASURER	002.00	Officer 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
2024	$78,422	$79,568	$307,320	$-1,146
2023	$74,245	$78,372	$308,466	$-4,127
2022	$72,368	$65,207	$312,593	$7,161
2021	$68,198	$69,591	$305,432	$-1,393
2020	$64,023	$86,905	$306,825	$-22,882
2019	$108,244	$99,935	$329,707	$8,309
2018	$83,014	$74,099	$321,398	$8,915

UPPER PENINSULA CLUB