NATIONAL EXCHANGE CLUB Crystal Valley Exchange Club

Nonprofit profile at a glance

EIN
351892871
IRS 990-EZ coverage
2019–2025
Forms available
Form 990-EZ 2025, Form 990-N 2021
Location
Middlebury, IN, USA
Phone
5748259245
Rating
44
Verdict
MIXED
Rating confidence
Moderate

Reported finances

Revenue
$44,818
Expenses
$46,939
Assets
$31,438
Liabilities
$236

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

4 people listed

Executive titles in this filing

  • Gregg Eash (Vice President)
  • Scott Crist (President)

People named in this filing

  • Gregg Eash (Vice President)
  • Scott Crist (President)
  • Craig Yoder (Secretary)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The Crystal Valley Exchange Club, a member of the National Exchange Club, has a purpose of fundraising and distributing those funds to local school programs as well as deserving community nonprofit organizations. There is also a member education component in order to become better acquainted with community and school entities via guest presentations. A final purpose is to annually recognize a community member that has provided outstanding community involvement and leadership with a banquet in that person's honor.

What it reported doing in 2025

Recognition of local community member for significant community involvement

Operating model

Revenue model
Other-operating. 68% of the money available for current operations came from other operating revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

MIXED - The filed numbers largely add up and program spending has grown recently. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.

Rating breakdown

  • Financial Efficiency: 8
  • Transparency & Controls: 82
  • Sustainability: 37
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 7.9%; rating input score 8
  • Program expense ratio: 7.5%; rating input score 8

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: -4.7%; rating input score 35; 35th percentile among comparable filings
  • Total-asset coverage ratio: 0.67; rating input score 38; 38th percentile among comparable filings
  • Liabilities to assets ratio: 0.01; rating input score 26; 26th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 56; 56th percentile among comparable filings

Growth

  • Program expense growth: 4.4% per year; rating input score 100; 59th percentile among comparable filings
  • Revenue growth: 2.8% per year; rating input score 100; 61st percentile among comparable filings
  • Asset growth: 6.2% per year; rating input score 100; 60th percentile among comparable filings

Details

  • Where the money goes: 7.9% of revenue deployed · 7.5% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 3 filed program accomplishments · $4K in reported program spending
  • Leadership: top reported pay $0 · 4 people listed
  • Consistency: 8 of 9 current checks pass · 1 finding to review
  • Schedules: 2 filed schedules
  • Filing history: 5 filing years from 2019 to 2025
  • Contacts: How to reach this organization
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Financial Efficiency: Mission deployment rate scored 8/100.
  • High — Financial Efficiency: Program expense ratio scored 8/100.
  • Moderate — Transparency & Controls: Part III transfer expenses within program total did not reconcile in the filed values.
  • Moderate — Sustainability: Operating margin scored 35/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 38/100.
  • High — Sustainability: Liabilities to assets ratio scored 26/100.
  • Review — Sustainability: Officer compensation ratio scored 56/100.