NANTASKET BEACH SALT WATER CLUB INC (EIN 043104241) - 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

1951

Legal Domicile

Principal Officer

ELIZABETH MURPHY

Phone

6176332024

Tax Period

2025-01-01 to 2025-12-31

NANTASKET BEACH SALT WATER CLUB INC, founded in 1951, is a small nonprofit that reported $379K in total revenue in fiscal year 2025. Expenses of $355K left a modest 6% surplus.

Mission

PROMOTE INTEREST AND EDUCATION IN RECREATIONAL BOATING, FISHING AND HUNTING

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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 $130,653

Program Service Revenue $242,112

Investment Income $6,401

Other Revenue $0

TOTAL REVENUE $379,166

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $37,613

Program Expenses $48,837

Other Expenses $355,320

TOTAL EXPENSES $355,320

Year-over-Year Comparison

	2025	2024	Change
Revenue	$379,166	$366,843	+0.0%
Expenses	$355,320	$342,630	+0.0%
Net Income	$23,846	$24,213	0.0%

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

264

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
STEVEN RICHARDSON	PRESIDENT	5.00	Officer Director	$0	$0	$0
JACKIE GREENWAY	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
ELIZABETH MURPHY	TREASURER	10.00	Officer Director	$0	$0	$0
STACEY MCINNIS JONES	SECRETARY	5.00	Officer Director	$0	$0	$0
GARY TWOMBLY	DIRECTOR	2.00	Director	$0	$0	$0
BARRY LEVINE	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL ANGELLIS	DIRECTOR	2.00	Director	$0	$0	$0
KURT MACDONALD	DIRECTOR	2.00	Director	$0	$0	$0
JIM REICHARDT	DIRECTOR	2.00	Director	$0	$0	$0
SCOTT KULDA	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT KENERSON	DIRECTOR	2.00	Director	$0	$0	$0
RICHARD PERRY	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
2025	$379,166	$355,320	$432,150	$23,846
2024	$366,843	$342,630	$223,471	$24,213
2023	$347,413	$337,837	$168,020	$9,576
2022	$332,217	$334,200	$152,368	$-1,983
2021	$273,058	$237,481	$155,487	$35,577
2020	$134,553	$142,641	$118,629	$-8,088

NANTASKET BEACH SALT WATER CLUB INC