Dear Stanley,
I would suggest doing a thorough assessment of the strenghts and weaknesses of your organization. I would suggest not pay so much attention at the membership fee. Instead, think about what exactly does your club offer that is unique and valuable ot the community members? What programs are needed or not needed? What are the needs of the community? Have you done a needs assessment of the community? Perhaps what your club offers no longer match the needs of the community. The second thing I would recommend is to think about whether collaobration with other organizations (even competing ones) is possible.
I would recommend reading Ch. 42-46 of the Community Toolbox. It may give you some ideas about beyond surviving this crisis and think about the sustainability of your club.