BELMONT WOMANS CLUB

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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

1920

Legal Domicile

Principal Officer

WENDY MURPHY

Phone

6174844892

Tax Period

2021-04-01 to 2022-03-31

BELMONT WOMANS CLUB, founded in 1920, is a micro nonprofit in the Community Improvement sector that reported $48K in total revenue in fiscal year 2021. Revenue surged 71% from the prior year, signaling strong growth momentum. The organization ran a surplus of $8K, a strong 18% operating margin.

Mission

THE BELMONT WOMAN'S CLUB WAS ESTABLISHED IN 1920 AND IS DEDICATED TO PROVIDING COMMUNITY SERVICES IN THE FORM OF EDUCATIONAL SCHOLARSHIPS AND COMMUNITY IMPROVEMENTS IN THE TOWN OF BELMONT. IT ALSO SERVES AS A SOCIAL CLUB FOR WOMEN IN BELMONT AND SURROUNDING TOWNS.

Program Service Accomplishments

Program 1

TO RAISE AWARENESS OF CIVIC PRIDE AND ADD TO THE GENERAL GOODWILL OF THE LOCAL AREA.

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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 (2021)

Revenue Breakdown

Contributions & Grants $45,344

Program Service Revenue $0

Investment Income $0

Other Revenue $2,525

TOTAL REVENUE $47,869

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $39,488

TOTAL EXPENSES $39,488

Year-over-Year Comparison

	2021	2020	Change
Revenue	$47,869	$27,964	+0.7%
Expenses	$39,488	$26,540	+0.5%
Net Income	$8,381	$1,424	+4.9%

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

N/A

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
JANE LARSON	CLERK	5.00	Officer Director	$0	$0	$0
MARYANN SCALI	CLUB PARLIAMENTARIAN	5.00	Officer Director	$0	$0	$0
NANCY SARRIS	CO-PRESIDENT	5.00	Officer Director	$0	$0	$0
WENDY MURPHY	CO-PRESIDENT	5.00	Officer Director	$0	$0	$0
CAROLYN BUNYON	CORRESPONDING SECRETARY	5.00	Officer Director	$0	$0	$0
VIVIEN MINITER	CORRESPONDING SECRETARY	5.00	Officer Director	$0	$0	$0
JAMES DOWD	CO-TREASURER	5.00	Director	$0	$0	$0
JAMIE LAM	CO-TREASURER	5.00	Officer Director	$0	$0	$0
JENNIFER GILLETTE	DIRECTOR	5.00	Director	$0	$0	$0
GERALD WOGAN	DIRECTOR	5.00	Officer Director	$0	$0	$0
KATRINA RALSTON	DIRECTOR	5.00	Director	$0	$0	$0
SAMI BAGHDADI	DIRECTOR	5.00	Director	$0	$0	$0
TAMMY KEITHLEY	DIRECTOR	5.00	Director	$0	$0	$0
RUTH SCARFO	DIRECTOR	5.00	Officer Director	$0	$0	$0
JOANNE TROUVELIS	DIRECTOR	5.00	Officer Director	$0	$0	$0
DOROTHY BOYLE	HISTORIAN	5.00	Officer Director	$0	$0	$0
MARY ELLEN OBERHAUSER	MEMBERSHIP TREASURER	5.00	Officer Director	$0	$0	$0
KAREN ANTETOMASO	MEMBERSHIP TREASURER	5.00	Officer Director	$0	$0	$0
MARILYN PAPAZIAN	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
VIKTORIA HAASE	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
VIRGINIA GRANT	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
ANDREA COOPERSTEIN MARCOU	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
KELLY HIGGINS	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
JANICE ELLARD	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
SYLVIA WHITNEY	VICE-PRESIDENT	5.00	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
2022	$47,869	$39,488	$156,651	$8,381
2021	$27,964	$26,540	$172,609	$1,424
2020	$80,146	$35,180	$171,585	$44,966
2019	$44,139	$35,433	$126,469	$8,706