CRADLE BEACH INC (EIN 160743025) - 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

ANN-MARIE T ORLOWSKI

Phone

7165496307

Tax Period

2024-11-01 to 2025-10-31

CRADLE BEACH INC, founded in 1951, is a community nonprofit in the Recreation & Sports sector that reported $2.6M in total revenue in fiscal year 2024. Expenses of $2.9M exceeded revenue, resulting in a 14% operating deficit.

Mission

CRADLE BEACH SERVES CHILDREN, TEENAGERS, ADULTS AND SENIORS, CREATING OPPORTUNITIES FOR GROWTH.

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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 (2024)

Revenue Breakdown

Contributions & Grants $1,047,172

Program Service Revenue $1,159,554

Investment Income $193,593

Other Revenue $174,229

TOTAL REVENUE $2,574,548

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,262,513

Fundraising Expenses $74,766

Program Expenses $2,330,396

Other Expenses $1,682,615

TOTAL EXPENSES $2,945,128

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,574,548	$2,428,345	+0.1%
Expenses	$2,945,128	$2,367,034	+0.2%
Net Income	$-370,580	$61,311	-7.0%

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

153

Volunteers

2477

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

$152,758

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAUREN FLOSS	PRESIDENT	5.00	Officer Director	$0	$0	$0
MONICA PEOPLES PHD	TRUSTEE	2.00	Director	$0	$0	$0
MARTA HICZEWSKI	TRUSTEE	2.00	Director	$0	$0	$0
BRANDY KAISER MS OTRL	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
CHARLES F KREINER JR	TRUSTEE	2.00	Director	$0	$0	$0
JUSTIN RANDACCIO	TRUSTEE	2.00	Director	$0	$0	$0
MARK TRABERT	TRUSTEE	2.00	Director	$0	$0	$0
RAQUEL J SCHMIDT PHD	TRUSTEE	2.00	Director	$0	$0	$0
ROBERT S TORELLA CPA	TREASURER	5.00	Officer Director	$0	$0	$0
MARIO HICKS	SECRETARY	5.00	Officer Director	$0	$0	$0
ANN-MARIE ORLOWSKI	C.E.O	40.00	Officer	$143,860	$8,898	$152,758

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	$2,574,548	$2,945,128	$6,620,816	$-370,580
2024	$2,428,345	$2,367,034	$6,774,004	$61,311
2023	$2,237,793	$2,315,551	$6,228,355	$-77,758
2022	$2,203,794	$2,023,163	$6,290,718	$180,631
2021	$1,984,585	$1,591,602	$6,558,771	$392,983
2020	$1,620,517	$1,907,443	$6,657,386	$-286,926
2018	$2,448,601	$2,623,626	$7,274,692	$-175,025

CRADLE BEACH INC