BEMIDJI CURLING CLUB (EIN 410145135) - 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

1935

Legal Domicile

Principal Officer

DAVID WILLFORD

Phone

2185562602

Tax Period

2023-07-01 to 2024-06-30

BEMIDJI CURLING CLUB, founded in 1935, is a small nonprofit that reported $170K in total revenue in fiscal year 2023. Revenue fell 45% from the prior year — a significant decline worth monitoring. Net assets of $410K represent 29 months of operating reserves.

Mission

PROMOTE AND PROVIDE A DEDICATED ICE LOCATION FOR 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 (2023)

Revenue Breakdown

Contributions & Grants $57,784

Program Service Revenue $135,013

Investment Income $-38,034

Other Revenue $15,058

TOTAL REVENUE $169,821

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,824

Fundraising Expenses $0

Other Expenses $159,774

TOTAL EXPENSES $166,598

Year-over-Year Comparison

	2023	2022	Change
Revenue	$169,821	$309,084	-0.5%
Expenses	$166,598	$110,722	+0.5%
Net Income	$3,223	$198,362	-1.0%

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

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

$2,158

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE WILLFORD	PRESIDENT	0.00	Director	$0	$0	$0
BILL SANFORD	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
KACEY DONAHUE	SECRETARY	0.00	Officer Director	$0	$0	$0
JAIME QUELLO	TREASURER	0.00	Officer Director	$0	$0	$0
CARL JOHNSON	BOARD MEMBER	0.00	Director	$0	$0	$0
JENNIFER WILLFORD	BOARD MEMBER	0.00	Director	$0	$0	$0
JUDY MACKENROTH	BOARD MEMBER	0.00	Director	$0	$0	$0
PAUL THOMPSON	BOARD MEMBER	4.50	Director	$2,158	$0	$2,158
STUART NOBLE	BOARD MEMBER	0.00	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	No data	No data	No data	No data
2024	$169,821	$166,598	$491,165	$3,223
2023	$309,084	$110,722	$295,006	$198,362

BEMIDJI CURLING CLUB