LUDLOW COUNTRY CLUB INC (EIN 041560230) - 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

1921

Legal Domicile

Principal Officer

BENJAMIN S FERRIS

Phone

4135833434

Tax Period

2023-01-01 to 2023-12-31

LUDLOW COUNTRY CLUB INC, founded in 1921, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2023. Expenses of $1.2M left a modest 11% surplus.

Mission

TO PROVIDE CLUB MEMBERS THE HIGHEST LEVEL OF RECREATIONAL GOLF AND DINING FACILITIES

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,382,768

Investment Income $3,012

Other Revenue $-45,678

TOTAL REVENUE $1,340,102

Expense Breakdown

Grants Paid $0

Salaries & Benefits $472,238

Fundraising Expenses $0

Program Expenses $1,192,585

Other Expenses $724,447

TOTAL EXPENSES $1,196,685

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,340,102	$1,303,072	+0.0%
Expenses	$1,196,685	$942,308	+0.3%
Net Income	$143,417	$360,764	-0.6%

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

$3,040

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BENJAMIN S FERRIS	PRESIDENT	12.00	Director	$0	$0	$0
MATTHEW HOAR	VICE PRESIDE	12.00	Director	$0	$0	$0
THOMAS SEARS	TREASURER	4.00	Director	$0	$0	$0
LORRAINE PASQUALE	SECRETARY/CL	4.00	Director	$0	$0	$0
JOE GRASSO	DIRECTOR	2.00	Director	$0	$0	$0
KEVIN LAUER	DIRECTOR	2.00	Director	$0	$0	$0
PETER KUSELIAS	DIRECTOR	2.00	Director	$3,040	$0	$3,040
JOHN CIEPLIK	DIRECTOR	2.00	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
2024	No data	No data	No data	No data
2023	$1,340,102	$1,196,685	$1,512,726	$143,417
2022	$1,303,072	$942,308	$1,439,804	$360,764
2021	$1,193,095	$1,007,347	$1,283,642	$185,748
2020	$840,944	$851,210	$1,073,243	$-10,266
2019	$821,732	$851,079	$861,661	$-29,347

LUDLOW COUNTRY CLUB INC