Coldwater Noon Club (EIN 880633204) - 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

2022

Legal Domicile

Principal Officer

Paul Plant

Phone

5172797531

Tax Period

2025-01-01 to 2025-12-31

Coldwater Noon Club, founded in 2022, is a micro nonprofit that reported $35K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $8K, a strong 24% operating margin.

Mission

A social club engaged in philanthropic and public service projects in the Coldwater MI area

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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 $14,138

Program Service Revenue $0

Investment Income $0

Other Revenue $20,715

TOTAL REVENUE $34,853

Expense Breakdown

Grants Paid $3,705

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $26,419

Other Expenses $22,714

TOTAL EXPENSES $26,419

Year-over-Year Comparison

	2025	2024	Change
Revenue	$34,853	$31,880	+0.1%
Expenses	$26,419	$42,789	-0.4%
Net Income	$8,434	$-10,909	-1.8%

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

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
Bob Steel	Past President	002.00	Director	$0	$0	$0
Paul Plant	Treasurer	003.00	Officer Director	$0	$0	$0
Scott Ohm	Secretary	002.00	Officer Director	$0	$0	$0
Brian Musselman	President	003.00	Officer Director	$0	$0	$0
Matt Galliers	Director	002.00	Director	$0	$0	$0
Steve Burns	Director	002.00	Director	$0	$0	$0
BJ West	Vice president	003.00	Officer Director	$0	$0	$0
Jon Foley	Director	002.00	Director	$0	$0	$0
Bill Milnes	Director	002.00	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	$34,853	$26,419	$35,397	$8,434
2024	$31,880	$42,789	$26,335	$-10,909
2023	$29,782	$18,253	$36,947	$11,529
2022	$37,232	$20,262	$16,970	$16,970

Coldwater Noon Club