BRADFORD CITIZENS CLUB (EIN 056044140) - 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

1923

Legal Domicile

Principal Officer

WES J DAWLEY

Phone

4013772888

Tax Period

2025-01-01 to 2025-12-31

BRADFORD CITIZENS CLUB, founded in 1923, is a small nonprofit that reported $112K in total revenue in fiscal year 2025. Net assets of $431K represent 46 months of operating reserves.

Mission

TO PROVIDE RECREATIONAL ACTIVITIES FOR CLUB 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 (2025)

Revenue Breakdown

Contributions & Grants $8,676

Program Service Revenue $0

Investment Income $17,034

Other Revenue $86,581

TOTAL REVENUE $112,291

Expense Breakdown

Grants Paid $1,180

Salaries & Benefits $52,881

Fundraising Expenses $0

Program Expenses $116,842

Other Expenses $62,781

TOTAL EXPENSES $116,842

Year-over-Year Comparison

	2025	2024	Change
Revenue	$112,291	$110,302	+0.0%
Expenses	$116,842	$105,167	+0.1%
Net Income	$-4,551	$5,135	-1.9%

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

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
WES J DAWLEY	PRESIDENT	15.00	Officer	$0	$0	$0
BRYAN CAPALBO	VICE PRESIDENT	15.00	Officer	$0	$0	$0
WILLIAM LAMB	RECORDING SECAUDITOR	5.00	Officer	$0	$0	$0
RAYMOND CAPALBO	TREASURER	15.00	Officer	$0	$0	$0
RAYMOND CAPALBO	SECRETARY	5.00	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	$112,291	$116,842	$431,191	$-4,551
2024	No data	No data	No data	No data
2023	$88,361	$89,257	$404,170	$-896
2022	$95,818	$91,348	$863,969	$4,470
2021	$79,831	$85,929	$899,943	$-6,098
2020	$47,821	$66,919	$841,017	$-19,098

BRADFORD CITIZENS CLUB