NATIONAL EXCHANGE CLUB (EIN 570733767) - 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

1982

Legal Domicile

Principal Officer

Edward Heskamp

Phone

2402714825

Tax Period

2023-07-01 to 2024-06-30

NATIONAL EXCHANGE CLUB, founded in 1982, is a small nonprofit that reported $189K in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum.

Mission

ECKS is a service organization committed to barrier island enrichment

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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 $188,964

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $188,964

Expense Breakdown

Grants Paid $94,283

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $94,283

Other Expenses $89,938

TOTAL EXPENSES $184,221

Year-over-Year Comparison

	2023	2022	Change
Revenue	$188,964	$142,819	+0.3%
Expenses	$184,221	$165,705	+0.1%
Net Income	$4,743	$-22,886	-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

108

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
Jack Wilson	Past President	2	Officer Director	$0	$0	$0
Ray Hoover	President	2	Officer Director	$0	$0	$0
Lisa McDonald	Secretary	2	Officer Director	$0	$0	$0
Aldrich Boss	Treasurer	2	Officer Director	$0	$0	$0
Robert Leggett	Director	2	Director	$0	$0	$0
William Nelson	Director	2	Director	$0	$0	$0
Charles Septer	Director	2	Director	$0	$0	$0
Dennis Giannos	Director	2	Director	$0	$0	$0
John Reock	Director	2	Director	$0	$0	$0
William Bane	Director	2	Director	$0	$0	$0
Ron Schildge	Director	2	Director	$0	$0	$0
David Berry	Director	2	Director	$0	$0	$0
Thad Peterson	President Elect	2	Officer Director	$0	$0	$0
Marjorie Stephenson	Director	2	Director	$0	$0	$0
Robert Schick	Director	2	Director	$0	$0	$0
Ed Leary	Director	2	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	$188,964	$184,221	$110,997	$4,743
2023	$142,819	$165,705	$106,254	$-22,886
2022	$165,870	$153,482	$129,140	$12,388
2021	$170,325	$156,084	$114,631	$14,241
2019	$180,094	$182,262	$125,143	$-2,168

NATIONAL EXCHANGE CLUB