You need to reduce the file-size of the picture with photo editing software. Any combination of the follwing: crop out excess background, shrink the size (resize 1024x768 pixels to 800x600, for example), or save it as a .jpg with slightly higher compression.
Adding a picture to your club photo album uploads (copies) the picture (file) from your computer's hard drive to the hard drive of the web server that runs this site. There's a limit to how much storage space is allowed for each member's photo album, and a limit on the file size of individual pictures is also enforced.