Cambridge Tennis Club (EIN 042206897) - 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

Legal Domicile

Phone

6173540303

Tax Period

2025-01-01 to 2025-12-31

Cambridge Tennis Club is a small nonprofit that reported $698K in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $657K left a modest 6% surplus.

Mission

CAMBRIDGE TENNIS CLUB PROVIDES AN ENVIRONMENT FOR MEMBERS THAT ENCOURAGES ATHLETIC ACTIVITY AND SOCIAL INTERACTION THROUGH CASUAL TENNIS PLAY AND QUALITY INSTRUCTION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $687,012

Investment Income $11,273

Other Revenue $0

TOTAL REVENUE $698,285

Expense Breakdown

Grants Paid $0

Salaries & Benefits $293,447

Fundraising Expenses $0

Other Expenses $363,169

TOTAL EXPENSES $656,616

Year-over-Year Comparison

	2025	2024	Change
Revenue	$698,285	$566,824	+0.2%
Expenses	$656,616	$570,427	+0.2%
Net Income	$41,669	$-3,603	-12.6%

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

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Liz Gianakos	Board Member	Director	$0	$0	$0
Kate Kimball	Treasurer	Director	$0	$0	$0
Cynthia Smith	Board Member	Director	$0	$0	$0
Alice Lee	Board Member	Director	$0	$0	$0
Brooks Sherman	Board Member	Director	$0	$0	$0
Simone Alpen	Board Member	Director	$0	$0	$0
Liz Herbert	President	Officer	$0	$0	$0
Mark Sommer	Vice President	Officer	$0	$0	$0
Rosanna babbage	Secretary	Officer	$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	$698,285	$656,616	$345,985	$41,669
2024	$566,824	$570,427	$308,232	$-3,603
2023	$599,361	$531,377	$322,335	$67,984
2022	$507,451	$526,954	$268,873	$-19,503
2021	$455,543	$465,378	$270,809	$-9,835
2020	$380,355	$373,207	$271,649	$7,148
2019	$418,300	$451,605	$265,765	$-33,305
2018	$462,004	$454,926	$309,662	$7,078

Cambridge Tennis Club