TOWNER COMMUNITY CLUB (EIN 881127262) - 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

HEATHER DRADER

Phone

7012010127

Tax Period

2024-07-01 to 2025-06-30

TOWNER COMMUNITY CLUB, founded in 2022, is a micro nonprofit that reported $64K in total revenue in fiscal year 2024. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $96K exceeded revenue, resulting in a 50% operating deficit.

Mission

THE CORPORATION'S PURPOSE SHALL BE TO ENRICH THE CITY OF TOWNER AND SURROUNDING AREAS THROUGH FUNDRAISING EFFORTS THAT BENEFIT THE COMMUNITY OF TOWNER. TO PROMOTE THE GROWTH AND COMMERCIAL ACTIVITY OF THE CITY OF TOWNER, NORTH DAKOTA AND ITS TRADE AREA. TO DO SUCH THINGS AS WILL PROMOTE CIVIC IMPROVEMENT, COMMERCIAL ACTIVITY, COMMERCIAL GROWTH AND OTHER ACTIVITIES WHICH MAY IMPROVE THE CONDITION OF BUSINESS AND OF LIVING AND THE ENVIRONMENT OF THE CITY OF TOWNER AND ITS TRADE AREA. TO UPHOLD AND PERPETUATE THE HIGHEST STANDARDS OF PROFESSIONALISM AND VOLUNTEERISM AMONT ITS MEMBERS IN THE 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 $945

Program Service Revenue $2,383

Investment Income $0

Other Revenue $60,365

TOTAL REVENUE $63,693

Expense Breakdown

Grants Paid $78,692

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $89,761

Other Expenses $17,075

TOTAL EXPENSES $95,767

Year-over-Year Comparison

	2024	2023	Change
Revenue	$63,693	$137,870	-0.5%
Expenses	$95,767	$129,505	-0.3%
Net Income	$-32,074	$8,365	-4.8%

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

Volunteers

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
HEATHER DRADER	PRESIDENT	1.00	Officer Director	$0	$0	$0
NICOLE LIVEDALEN	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
CASSIE FELBER	SECRETARY	0.50	Officer Director	$0	$0	$0
SAMANTHA DRADER	TREASURER	1.00	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
2025	$63,693	$95,767	$72,097	$-32,074
2024	$137,870	$129,505	$106,768	$8,365
2023	$118,111	$66,238	$118,157	$51,873

TOWNER COMMUNITY CLUB