Frank, it's just too simple to comply, IMO you should file since U have a bank account.
See 501 C7 of the code
All it takes is one member making a call and all the current & past officers are responsible for all revenues collected for 20 years as taxable income(they can reach back that far because no returns were filed, if returns are filed the reach back is only 3 years I think).
quick math $850 dues x 20 years almost $20,000 may be taxable plus fines & penalties, can be $50,000.
As you said I'm not by any stretch an expert just an officer of a club that rather not be looking over his shoulder for a liability and protect the other officers within our club.
Please consult a tax professional to be sure, I'm only alerting folks to avert a problem down the road.
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