AMERICAN FINNISH TOURIST CLUB INC

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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

Phone

5615479450

Tax Period

2024-01-01 to 2024-12-31

AMERICAN FINNISH TOURIST CLUB INC, founded in 1982, is a micro nonprofit that reported $87K in total revenue in fiscal year 2024. The organization ran a surplus of $41K, a strong 47% operating margin.

Mission

TO PROMOTE FINNISH CULTURE BY SERVING LUNCHES AND DINNERS TO MEMBERS & FINNISH VISITERS. TO ARRANGE DANCES & CONCERTS TO PRESERVE TANHUT AND OTHER OLD VANISHING DANCING STYLES, TO KEEP LIBRARY & LANGUAGE SCHOOL TO PROMOTE FINNISH LANGUAGE AND TO MAINTAIN.

Program Service Accomplishments

Program 1

Expenses: $38,357

FINNISH CULTURE IS PROMOTED BY ARRANGING DINNERS, LUNCHEONS AND BAKED GOODS SALES ALONG WITH DANCES. OTHER CULTURAL EVENTS WERE HELD AS WELL.

Program 2

CULTURAL EVENTS AND CONCERTS WERE HELD.

Program 3

DANCES AND SOCIAL GATHERINGS, MOVIE AND KARAOKE NIGHTS WERE HELD OFTEN.

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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 $64,422

Program Service Revenue $0

Investment Income $3

Other Revenue $22,796

TOTAL REVENUE $87,221

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $38,357

Other Expenses $46,097

TOTAL EXPENSES $46,097

Year-over-Year Comparison

	2024	2023	Change
Revenue	$87,221	$83,087	+0.0%
Expenses	$46,097	$36,379	+0.3%
Net Income	$41,124	$46,708	-0.1%

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

N/A

Volunteers

300

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
JYRKI KOIVUHARJU	PRESIDENT	25.00	Officer Director	$0	$0	$0
JORMA OLSSON	VICE PRESIDENT	15.00	Officer Director	$0	$0	$0
REETA SNELMAN	SECRETARY	7.00	Officer Director	$0	$0	$0
JORMA PELTOLA	TREASURER	5.00	Officer Director	$0	$0	$0
MINNA TERVOLA	MEMBERSHIPS MANAGER	10.00	Director	$0	$0	$0
SIRPA AHO	MEMBER	30.00	Director	$0	$0	$0
LIISA HAARJARVI	MEMBER	5.00	Director	$0	$0	$0
RIITTA NURMINEN	MEMBER	5.00	Director	$0	$0	$0
JOUKO RITA	MEMBER	3.00	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	$87,221	$46,097	$1,150,844	$41,124
2023	$83,087	$36,379	$1,109,288	$46,708
2022	$45,166	$22,381	$1,062,364	$22,785
2021	$32,707	$16,218	$1,039,799	$16,489
2020	$43,171	$43,763	$1,023,020	$-592