KETTLE MORRAINE CURLING 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

1963

Legal Domicile

Principal Officer

STEVE EVERETT JR

Phone

2629653851

Tax Period

2024-05-01 to 2025-04-30

KETTLE MORRAINE CURLING CLUB, founded in 1963, is a small nonprofit that reported $227K in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. Net assets of $519K represent 27 months of operating reserves.

Mission

THE CURLING CLUB PROVIDES RECREATIONAL FACILITIES FOR THE PURPOSE OF TEACHING AND CONDUCTING THE SPORT OF CURLING.

Program Service Accomplishments

Program 1

THE CURLING CLUB PROVIDES RECREATIONAL FACILITIES FOR THE PURPOSE OF TEACHING AND CONDUCTING THE SPORT OF CURLING

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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 $114,496

Program Service Revenue $104,130

Investment Income $7,956

Other Revenue $0

TOTAL REVENUE $226,582

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $232,523

TOTAL EXPENSES $232,523

Year-over-Year Comparison

	2024	2023	Change
Revenue	$226,582	$261,504	-0.1%
Expenses	$232,523	$234,993	0.0%
Net Income	$-5,941	$26,511	-1.2%

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

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
BILL BISCHOFF	DIRECTOR	N/A	Director	$0	$0	$0
CINDY GODAR	DIRECTOR	N/A	Director	$0	$0	$0
LYNDSAY JOHNSON	DIRECTOR	N/A	Director	$0	$0	$0
STEVE EVERETT JR	PRESIDENT	N/A	Officer Director	$0	$0	$0
JULIE FAY KRIVITZ	TREASURER	N/A	Officer Director	$0	$0	$0
NIKKI RAINE	DIRECTOR	N/A	Director	$0	$0	$0
MICHAEL SCHUDER	DIRECTOR	N/A	Director	$0	$0	$0
ANGELA SCHULZ	SECRETARY	N/A	Officer Director	$0	$0	$0
CRAIG SHARKUS	VICE PRESIDE	N/A	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	$226,582	$232,523	$523,973	$-5,941
2024	$261,504	$234,993	$525,725	$26,511
2023	$244,602	$279,005	$503,551	$-34,403
2022	$147,197	$178,004	$547,150	$-30,807
2021	$64,482	$109,518	$564,285	$-45,036
2020	$217,146	$171,927	$609,191	$45,219
2019	$239,221	$172,496	$551,344	$66,725