MICHIGAN GARDEN CLUBS INC C/O SEBER TANS PLC (EIN 386081577) - 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

1931

Legal Domicile

Principal Officer

ROSEMARY LADUKE

Phone

2696851731

Tax Period

2024-06-01 to 2025-05-31

MICHIGAN GARDEN CLUBS INC C/O SEBER TANS PLC, founded in 1931, is a small nonprofit in the Environment sector that reported $200K in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $274K exceeded revenue, resulting in a 37% operating deficit.

Mission

MICHIGAN GARDEN CLUBS (THE CLUB) PROVIDES LEADERSHIP AND EDUCATION, RESOURCES, AND NETWORKING OPPORTUNITIES FOR ITS MEMBERS TO PROMOTE THE LOVE OF GARDENING, FLORAL AND LANDSCAPE DESIGN, AND ENVIRONMENTAL RESPONSIBILITY.

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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 $75

Program Service Revenue $151,503

Investment Income $30,942

Other Revenue $17,214

TOTAL REVENUE $199,734

Expense Breakdown

Grants Paid $27,150

Salaries & Benefits $0

Fundraising Expenses $6,088

Program Expenses $231,214

Other Expenses $246,577

TOTAL EXPENSES $273,727

Year-over-Year Comparison

	2024	2023	Change
Revenue	$199,734	$168,248	+0.2%
Expenses	$273,727	$194,252	+0.4%
Net Income	$-73,993	$-26,004	+1.8%

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

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 RYAN	PRESIDENT	40.00	Officer Director	$0	$0	$0
LISA ROBINSON	FIRST VP	30.00	Officer Director	$0	$0	$0
SUE HENDRIX	SECRETARY	10.00	Officer Director	$0	$0	$0
ROSEMARY LADUKE	TREASURER	40.00	Officer Director	$0	$0	$0
CAROL MCGREGOR	SECOND VP	5.00	Officer Director	$0	$0	$0
DENISE CLEGG	THIRD VP	20.00	Officer Director	$0	$0	$0
NANCY SMITH	FOURTH VP	5.00	Officer Director	$0	$0	$0
GAIL TAGGART	FINANCE CHAI	10.00	Officer Director	$0	$0	$0
ANN SCHOALS	DIRECTOR	5.00	Director	$0	$0	$0
ANNE RYAN	DIRECTOR	5.00	Director	$0	$0	$0
MARY MOORE	DIRECTOR	5.00	Director	$0	$0	$0
JUDY NELSON	DIRECTOR	5.00	Director	$0	$0	$0
PEG CULLEN	DIRECTOR	5.00	Director	$0	$0	$0
KATHY WOLVERTON	DIRECTOR	5.00	Director	$0	$0	$0
DOROTHY SANDOVAL	DIRECTOR	5.00	Director	$0	$0	$0
KATHLEEN SAUBER	DIRECTOR	5.00	Director	$0	$0	$0
MONICA TAYLOR	DIRECTOR	5.00	Director	$0	$0	$0
LANITA CAMPBELL	DIRECTOR	5.00	Director	$0	$0	$0
ROSE HOUK	DIRECTOR	5.00	Director	$0	$0	$0
SUE SODERBERG	DIRECTOR	5.00	Director	$0	$0	$0
KATHY MILLER	DIRECTOR	5.00	Director	$0	$0	$0
CHARLEY BOHLAND	DIRECTOR	5.00	Director	$0	$0	$0
MARY JO MCELROY	DIRECTOR	5.00	Director	$0	$0	$0
NANCY STARK-HIGGINS	DIRECTOR	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	$199,734	$273,727	$669,114	$-73,993
2024	$168,248	$194,252	$688,918	$-26,004
2023	$174,352	$152,947	$623,268	$21,405
2022	$138,833	$110,203	$616,937	$28,630
2021	$82,862	$71,056	$652,648	$11,806
2020	$114,319	$166,976	$538,215	$-52,657
2019	$180,448	$141,738	$555,613	$38,710

MICHIGAN GARDEN CLUBS INC C/O SEBER TANS PLC