Sandy Beach Association (EIN 042177761) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1917

Legal Domicile

Phone

6105293797

Tax Period

2025-01-01 to 2025-12-31

Sandy Beach Association, founded in 1917, is a small nonprofit in the Recreation & Sports sector that reported $315K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $283K left a modest 10% surplus.

Mission

To provide a safe and clean beach for the community.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $202,857

Program Service Revenue $0

Investment Income $25,685

Other Revenue $86,100

TOTAL REVENUE $314,642

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $154,253

Fundraising Expenses $3,690

Program Expenses $273,219

Other Expenses $126,972

TOTAL EXPENSES $283,225

Year-over-Year Comparison

	2025	2024	Change
Revenue	$314,642	$269,403	+0.2%
Expenses	$283,225	$224,872	+0.3%
Net Income	$31,417	$44,531	-0.3%

Key Indicators

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

🔒

Financial Health Indicators

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

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Governance

Voting Members

Independent Members

Employees

Volunteers

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
Elisabeth Kavanaugh	Treasurer	3.00	Officer Director	$0	$0	$0
Robin Lawrence	Director	1.00	Director	$0	$0	$0
Tom DeGraan	Director	1.00	Director	$0	$0	$0
Ken Leahy	Director	1.00	Director	$0	$0	$0
John Starvish	Director	1.00	Director	$0	$0	$0
Lindsay Appel	Director	1.00	Director	$0	$0	$0
Andrew Flynn	Director	1.00	Director	$0	$0	$0
Patricia Murphy	Secretary	3.00	Officer Director	$0	$0	$0
Catherine O'Callaghan	President	5.00	Officer Director	$0	$0	$0
Suzanne Norris	Vice President	3.00	Officer Director	$0	$0	$0
Annette Sawchuk	Director	1.00	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
2025	$314,642	$283,225	$971,475	$31,417
2024	$269,403	$224,872	$916,695	$44,531
2023	$271,001	$261,655	$868,630	$9,346
2022	$242,504	$213,787	$834,311	$28,717
2021	$265,537	$216,085	$839,256	$49,452
2020	$246,815	$261,259	$791,320	$-14,444
2019	$277,750	$189,135	$805,664	$88,615
2018	$395,764	$147,665	$716,949	$248,099

Sandy Beach Association