POLISH AMERICAN SOCIAL CLUB INC (EIN 591876966) - 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

1976

Legal Domicile

Principal Officer

Roger Napier

Phone

7723985124

Tax Period

2025-01-01 to 2025-12-31

POLISH AMERICAN SOCIAL CLUB INC, founded in 1976, is a small nonprofit that reported $105K in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $125K exceeded revenue, resulting in a 19% operating deficit.

Mission

Social and Recreational Facility for the Community at large with an emphasis on those with Polish ethnic heritage

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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 (2025)

Revenue Breakdown

Contributions & Grants $12,044

Program Service Revenue $0

Investment Income $1,938

Other Revenue $90,559

TOTAL REVENUE $104,541

Expense Breakdown

Grants Paid $160

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,474

Other Expenses $124,409

TOTAL EXPENSES $124,569

Year-over-Year Comparison

	2025	2024	Change
Revenue	$104,541	$84,064	+0.2%
Expenses	$124,569	$69,535	+0.8%
Net Income	$-20,028	$14,529	-2.4%

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

115

Independent Members

N/A

Employees

N/A

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
BARBARA SWIERKOWSKI	PRESIDENT	20.0	Officer	$0	$0	$0
VINCENT CHILOEKI	VICE PRESIDENT	20.0	Officer	$0	$0	$0
RODGER DALE NAPIER	TREASURER	20.0	Officer	$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	$104,541	$124,569	$97,852	$-20,028
2024	$84,064	$69,535	$125,595	$14,529
2023	$97,335	$95,001	$119,267	$2,334
2022	$82,642	$90,118	$124,826	$-7,476
2021	$96,245	$85,124	$138,907	$11,121
2020	$72,297	$108,246	$102,145	$-35,949
2019	$82,072	$110,102	$150,585	$-28,030
2018	$93,937	$120,730	$184,522	$-26,793

POLISH AMERICAN SOCIAL CLUB INC