BELLOWS FALLS COUNTRY CLUB (EIN 030104305) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1923

Legal Domicile

Principal Officer

KAREN BUKOWSKI

Phone

8024639809

Tax Period

2024-01-01 to 2024-12-31

BELLOWS FALLS COUNTRY CLUB, founded in 1923, is a small nonprofit that reported $386K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $93K, a strong 24% operating margin.

Mission

PROVIDE A LOCATION FOR MEMBERS, GUESTS AND THE PUBLIC TO PLAY GOLF AND HOLD FUNCTIONS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $131,438

Program Service Revenue $225,149

Investment Income $30

Other Revenue $29,123

TOTAL REVENUE $385,740

Expense Breakdown

Grants Paid $0

Salaries & Benefits $84,318

Fundraising Expenses $0

Other Expenses $208,377

TOTAL EXPENSES $292,695

Year-over-Year Comparison

	2024	2023	Change
Revenue	$385,740	$337,846	+0.1%
Expenses	$292,695	$299,640	0.0%
Net Income	$93,045	$38,206	+1.4%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICK MOYNA	Vice President	1.00	Officer Director	$0	$0	$0
TERRY BONNETTE	Trustee	1.00	Director	$0	$0	$0
HANNAH MCCORMICK	Trustee	1.00	Director	$0	$0	$0
JOHN GREGORY JR	Trustee	1.00	Director	$0	$0	$0
MICHAEL VIVEIROS	Trustee	1.00	Director	$0	$0	$0
KATHRYN HARTY	Sec/Treasurer	1.00	Officer Director	$0	$0	$0
PETER FALZO	Trustee	1.00	Director	$0	$0	$0
DAVID O'BRIEN	Trustee	1.00	Director	$0	$0	$0
KAREN BUKOWSKI	President	1.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	$385,740	$292,695	$512,271	$93,045
2023	$337,846	$299,640	$518,482	$38,206
2022	$326,578	$294,319	$550,086	$32,259
2021	$280,369	$224,946	$346,041	$55,423
2020	$280,678	$224,561	$300,102	$56,117
2019	$219,913	$202,347	$257,684	$17,566
2018	$196,139	$191,741	$249,554	$4,398

BELLOWS FALLS COUNTRY CLUB