The Greenwich Water Club Inc (EIN 201379604) - 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

2007

Legal Domicile

Principal Officer

Richard F Kral JR

Phone

2036614033

Tax Period

2025-01-01 to 2025-12-31

The Greenwich Water Club Inc, founded in 2007, is a mid-sized nonprofit in the Recreation & Sports sector that reported $10.0M in total revenue in fiscal year 2025.

Mission

Operate a facility dedicated to the enjoyment of recreational water, fitness and social related activities. The following sponsored programs are provided to club members rowing classes, fitness programs, swimming lessons, scuba classes, lifeguard and rescue training and other recreational activities.

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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 $6,625,991

Program Service Revenue $3,413,390

Investment Income $0

Other Revenue $0

TOTAL REVENUE $10,039,381

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,999,697

Fundraising Expenses $0

Program Expenses $3,671,923

Other Expenses $7,039,684

TOTAL EXPENSES $10,039,381

Year-over-Year Comparison

	2025	2024	Change
Revenue	$10,039,381	$9,679,015	+0.0%
Expenses	$10,039,381	$9,679,015	+0.0%
Net Income	$0	N/A	N/A

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

136

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

$205,805

Total Directors

$469,169

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Richard F Kral Jr	Officer Director	030.00	Officer Director	$0	$205,805	$205,805
Margaret Dahlem	Director	025.00	Director	$0	$183,559	$183,559
Todd McGarvey	Employee	040.00	Highest	$0	$0	$138,859
Kim Crosby	Employee	040.00	Highest	$0	$0	$132,618
Laurie Baudouine	Director	020.00	Director	$0	$79,805	$79,805

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	$10,039,381	$10,039,381	$2,550	No data
2024	$9,679,015	$9,679,015	$2,550	No data
2023	$9,003,239	$9,003,239	$2,550	No data
2022	$8,500,732	$8,500,732	$34,734	No data
2021	$7,866,246	$7,866,246	$34,734	No data
2020	$6,911,685	$6,911,685	$34,734	No data

The Greenwich Water Club Inc