DO NOT, REPEAT, DO NOT form a club unless you do everything the "right way".
Each state has requirements for setting up a nonprofit organization. If you don't follow the legal requirements, the "officers" can be held PERSONALLY LIABLE for the organization's debts....
There's a difference between a simple club and a non-profit organization. If all you're doing is getting a group of people with similar interests together for fellowship, you don't need to go through all the legal steps to form a club--unless you want to.
If, however, you're going to do fund raising and public 'club' type activities, and want the club to be a legal entity on its own for legal (liability) and insurance purposes, then you DO have to file paperwork, register with the state and so on--steps that only an attorney in YOUR jurisdiction fully knows about. That includes registering with the ARRL as a club--the ARRL requires it before they'll recognize any such entity as an affiliate.