AMERICAN POLISH EDUCATION ASSOCIATION (EIN 463461389) - 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

1905

Legal Domicile

Principal Officer

BRIAN R RIFFLE

Phone

8144678256

Tax Period

2024-01-01 to 2024-12-31

AMERICAN POLISH EDUCATION ASSOCIATION, founded in 1905, is a small nonprofit in the Human Services sector that reported $116K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $103K left a modest 11% surplus.

Mission

OPERATION OF A SOCIAL CLUB TO BENEFIT ITS MEMBERS AND THE SURROUNDING COMMUNITY

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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 $2,940

Program Service Revenue $0

Investment Income $11,162

Other Revenue $101,620

TOTAL REVENUE $115,722

Expense Breakdown

Grants Paid $0

Salaries & Benefits $42,695

Fundraising Expenses $0

Program Expenses $102,979

Other Expenses $56,186

TOTAL EXPENSES $103,479

Year-over-Year Comparison

	2024	2023	Change
Revenue	$115,722	$125,374	-0.1%
Expenses	$103,479	$103,469	+0.0%
Net Income	$12,243	$21,905	-0.4%

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

$15,811

Total Directors

$15,811

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICTOR FOY	TREASURER	005.00	Officer Director	$8,765	$0	$8,765
RONALD KERMIN	TRUSTEE	015.00	Officer Director	$7,046	$0	$7,046
RICHARD ZEPKA	PRESIDENT	002.00	Officer Director	$0	$0	$0
RONALD BARNES	TRUSTEE	001.00	Officer Director	$0	$0	$0
JAMES KOSHUTE	RECORDING SECRETARY	001.00	Officer Director	$0	$0	$0
BRIAN RIFFLE	FINANCIAL ACCOUNTANT	005.00	Officer Director	$0	$0	$0
BRAD ZEPKA	FINANCIAL SECRETARY	003.00	Officer Director	$0	$0	$0
CHARLES PRUCHNIK	TRUSTEE	001.00	Officer Director	$0	$0	$0
JASON OYLER	TRUSTEE	001.00	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	$115,722	$103,479	$463,189	$12,243
2023	$125,374	$103,469	$451,940	$21,905
2022	$72,704	$101,278	$430,378	$-28,574
2021	$117,737	$67,747	$457,528	$49,990
2020	$24,405	$47,569	$407,394	$-23,164
2019	$90,738	$83,092	$430,558	$7,646
2018	$84,930	$70,276	$422,912	$14,654

AMERICAN POLISH EDUCATION ASSOCIATION