MONMOUTH BEACH BATH & TENNIS CLUB (EIN 210516715) - 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

1924

Legal Domicile

Principal Officer

THOMAS REARDON

Phone

7322220100

Tax Period

2024-10-01 to 2025-09-30

MONMOUTH BEACH BATH & TENNIS CLUB, founded in 1924, is a community nonprofit in the Recreation & Sports sector that reported $4.7M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $4.2M left a modest 11% surplus.

Mission

PROVIDE SOCIAL & 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 (2024)

Revenue Breakdown

Contributions & Grants $3,336,907

Program Service Revenue $0

Investment Income $37,034

Other Revenue $1,279,562

TOTAL REVENUE $4,653,503

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,116,895

Fundraising Expenses $0

Other Expenses $2,034,816

TOTAL EXPENSES $4,151,711

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,653,503	$4,157,469	+0.1%
Expenses	$4,151,711	$4,376,920	-0.1%
Net Income	$501,792	$-219,451	-3.3%

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

238

Volunteers

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
THOMAS REARDON III	PRES	5.00	Officer Director	$0	$0	$0
MARY HAYES	VP	5.00	Officer Director	$0	$0	$0
MICHAEL TOLKOWSKY	TREASURER	5.00	Officer Director	$0	$0	$0
BETH CAMILLONE	SECRETARY	5.00	Officer Director	$0	$0	$0
KELLY SCHULZ	TRUSTEE	1.00	Director	$0	$0	$0
CHRISTOPHER KAELI	TRUSTEE	1.00	Director	$0	$0	$0
SUSAN RICKER	TRUSTEE	1.00	Director	$0	$0	$0
MARY PHILLIPS	TRUSTEE	1.00	Director	$0	$0	$0
PAUL MAGUIRE	TRUSTEE	1.00	Director	$0	$0	$0
TRICIA ZIFCHAK	TRUSTEE	1.00	Director	$0	$0	$0
WILLIAM GLOVER	TRUSTEE	1.00	Director	$0	$0	$0
MATTHEW CHESLOCK	TRUSTEE	1.00	Director	$0	$0	$0
ROBERT HOFFBAUER	TRUSTEE	1.00	Director	$0	$0	$0
CRAIG SNYDER	TRUSTEE	1.00	Director	$0	$0	$0
LISA WILSON	TRUSTEE	1.00	Director	$0	$0	$0
LISA MCGANN	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL ROBERTO	TRUSTEE	1.00	Director	$0	$0	$0
CHRIS ROGERS	MANAGER	20.00	Highest	$156,989	$5,162	$162,151
BRIAN GWYN-WILLIAMS	SUPERVISOR	40.00	Highest	$97,761	$7,943	$105,704
DAVID GUGLIELMI	ASST MANAGER	40.00	Highest	$91,680	$15,982	$107,662
MARK MCTERNAN	CHEF	40.00	Highest	$129,923	$16,300	$146,223
KYLE MCCOPPEN	CONTROLLER	40.00	Highest	$160,000	$12,094	$172,094

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	$4,653,503	$4,151,711	$5,508,714	$501,792
2024	$4,157,469	$4,376,920	$4,982,123	$-219,451
2023	$3,769,776	$3,624,900	$5,134,898	$144,876
2022	$3,426,690	$3,416,813	$4,999,755	$9,877
2021	$2,924,642	$3,198,878	$4,913,371	$-274,236

MONMOUTH BEACH BATH & TENNIS CLUB