CHELMSFORD SWIMMING & TENNIS CLUB (EIN 042394051) - 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

1965

Legal Domicile

Principal Officer

EMMA DUNLEA

Phone

9782562222

Tax Period

2023-01-01 to 2023-12-31

CHELMSFORD SWIMMING & TENNIS CLUB, founded in 1965, is a small nonprofit that reported $410K in total revenue in fiscal year 2023.

Mission

PROVIDES A PRIVATE CLUB THAT OFFERS A POOL AND TENNIS FACILITY, LESSONS, AND SOCIAL ACTIVITIES FROM MEMORIAL DAY THROUGH LABOR DAY FOR ITS MEMBERS.

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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 $407,444

Investment Income $251

Other Revenue $2,392

TOTAL REVENUE $410,087

Expense Breakdown

Grants Paid $0

Salaries & Benefits $186,301

Fundraising Expenses $0

Other Expenses $218,002

TOTAL EXPENSES $404,303

Year-over-Year Comparison

	2023	2022	Change
Revenue	$410,087	$392,109	+0.0%
Expenses	$404,303	$374,300	+0.1%
Net Income	$5,784	$17,809	-0.7%

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

175

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
EMMA DUNLEA	PRESIDENT	2.00	Officer Director	$0	$0	$0
BEN MASON	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
STACEY KARACEK	TREASURER	2.00	Officer Director	$0	$0	$0
KRISTI GROUT	CORRESPOND S	2.00	Officer Director	$0	$0	$0
KELLIE SULLIVAN	RECORDING SE	2.00	Officer Director	$0	$0	$0
KEITH MAGNANT	DIRECTOR	2.00	Director	$0	$0	$0
NICOLE LEONARD	DIRECTOR	2.00	Director	$0	$0	$0
KEVIN READY	DIRECTOR	2.00	Director	$0	$0	$0
GREG LAMARCHE	DIRECTOR	2.00	Director	$0	$0	$0
ALLISON BARTOLINI	DIRECTOR	2.00	Director	$0	$0	$0
ALEX MAGEE	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	$410,087	$404,303	$404,700	$5,784
2022	$392,109	$374,300	$414,122	$17,809
2021	$367,894	$364,467	$393,134	$3,427
2020	$332,873	$303,113	$400,312	$29,760
2019	$307,277	$330,067	$265,315	$-22,790
2018	$310,237	$284,366	$297,493	$25,871

CHELMSFORD SWIMMING & TENNIS CLUB