WOMANS CLUB OF RED BANK NJ (EIN 210652107) - 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

1917

Legal Domicile

Principal Officer

CHRISTINA HARDMAN O'NEIL

Phone

7325304991

Tax Period

2024-07-01 to 2025-06-30

WOMANS CLUB OF RED BANK NJ, founded in 1917, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $45K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Net assets of $511K represent 136 months of operating reserves.

Mission

SUPPORTING LITERACY THROUGH COMMUNITY INVOLVEMENT. PRESERVING OUR HISTORIC HOME FOR FUTURE GENERATIONS TO SHARE. PROVIDING A STRONG NETWORK FOR PERSONAL AND PROFESSIONAL DEVELOPMENT.

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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 $37,715

Program Service Revenue $7,485

Investment Income $0

Other Revenue $20

TOTAL REVENUE $45,220

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,946

Other Expenses $49,113

TOTAL EXPENSES $49,113

Year-over-Year Comparison

	2024	2023	Change
Revenue	$45,220	$48,552	-0.1%
Expenses	$49,113	$43,778	+0.1%
Net Income	$-3,893	$4,774	-1.8%

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

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	Role	Reportable Comp	Other Comp	Total
CHRISTINA HARDMAN-O'NEIL	President	Officer	$0	$0	$0
JOANNE FARINA	Vice President	Officer	$0	$0	$0
LORRAINE LANG	Treasurer	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	$45,220	$49,113	$510,731	$-3,893
2024	$48,552	$43,778	$510,261	$4,774
2023	$50,513	$39,291	$505,487	$11,222
2022	$57,327	$27,675	$527,261	$29,652
2021	$7,716	$20,221	$497,609	$-12,505
2020	$14,922	$19,083	$510,114	$-4,161
2019	$18,474	$14,044	$520,394	$4,430

WOMANS CLUB OF RED BANK NJ