DULUTH WOMAN'S CLUB (EIN 410226932) - 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

1927

Legal Domicile

Principal Officer

CHARLOTTE TAYLOR

Phone

2187243168

Tax Period

2024-05-01 to 2025-04-30

DULUTH WOMAN'S CLUB, founded in 1927, is a micro nonprofit that reported $64K in total revenue in fiscal year 2024. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $140K exceeded revenue, resulting in a 118% operating deficit.

Mission

PROMOTION OF SOCIAL & ARTS CULTURE

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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 $9,870

Program Service Revenue $35,781

Investment Income $5,468

Other Revenue $12,848

TOTAL REVENUE $63,967

Expense Breakdown

Grants Paid $0

Salaries & Benefits $34,493

Fundraising Expenses $0

Other Expenses $105,236

TOTAL EXPENSES $139,729

Year-over-Year Comparison

	2024	2023	Change
Revenue	$63,967	$91,375	-0.3%
Expenses	$139,729	$103,770	+0.3%
Net Income	$-75,762	$-12,395	+5.1%

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

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
CHARLOTTE TAYLOR	PRESIDENT	2.00	Officer Director	$0	$0	$0
PAM WILLIAMS	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
ELAINE HANSEN	TREASURER	2.00	Officer Director	$0	$0	$0
NANCY ODDEN	SECRETARY	2.00	Officer Director	$0	$0	$0
LAURIE JOHNSON	CORRESPONDIN	1.00	Officer Director	$0	$0	$0
ROLENE LAMPI	ASSISTANT TR	1.00	Officer Director	$0	$0	$0
JEAN OLSON	PAST PRESIDE	1.00	Officer Director	$0	$0	$0
JULIE JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
MARY OVERLAND	DIRECTOR	1.00	Director	$0	$0	$0
JUDY ROCCHIO	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET WILSON	DIRECTOR	1.00	Director	$0	$0	$0
KATIE KUETTEL	DIRECTOR	1.00	Director	$0	$0	$0
SUE RASMUSSEN	DIRECTOR	1.00	Director	$0	$0	$0
ANN FRYBERGER	DIRECTOR	1.00	Director	$0	$0	$0
DANA NOREEN	DIRECTOR	1.00	Director	$0	$0	$0
ARDIS HELGEMOE	DIRECTOR	1.00	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	$63,967	$139,729	$395,337	$-75,762
2024	$91,375	$103,770	$446,794	$-12,395
2023	$77,879	$93,168	$463,742	$-15,289
2022	$272,629	$146,136	$482,984	$126,493
2021	$82,107	$73,891	$367,346	$8,216
2020	$136,062	$127,873	$361,877	$8,189
2019	$116,966	$136,970	$370,661	$-20,004
2018	$129,822	$138,055	$353,447	$-8,233

DULUTH WOMAN'S CLUB