Womans Club of Ridgewood (EIN 221389811) - 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

1986

Legal Domicile

Principal Officer

Pamela Swords

Phone

2014445722

Tax Period

2022-07-01 to 2023-06-30

Womans Club of Ridgewood, founded in 1986, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2022. Revenue surged 702% from the prior year, signaling strong growth momentum. The organization ran a surplus of $852K, a strong 85% operating margin.

Mission

To support the people of the community through volunteer service and charitable endeavors.

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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 (2022)

Revenue Breakdown

Contributions & Grants $862,749

Program Service Revenue $131,876

Investment Income $4,108

Other Revenue $5,796

TOTAL REVENUE $1,004,529

Expense Breakdown

Grants Paid $13,420

Salaries & Benefits $38,120

Fundraising Expenses $0

Program Expenses $150,132

Other Expenses $101,292

TOTAL EXPENSES $152,832

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,004,529	$125,189	+7.0%
Expenses	$152,832	$94,024	+0.6%
Net Income	$851,697	$31,165	+26.3%

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

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
Mary Alice Coti	Hospitality Chr	5.00	Director	$0	$0	$0
Samantha Bajraktari	Scholarship Chr	5.00	Director	$0	$0	$0
Kristen Plumley	Charities Chair	5.00	Director	$0	$0	$0
Pamela Swords	President	10.00	Officer	$0	$0	$0
Donna Dorsey	Vice President	5.00	Officer	$0	$0	$0
Virginia Harper	Secretary	5.00	Officer	$0	$0	$0
Gretta OBrien	Secretary	5.00	Officer	$0	$0	$0
Kirstin O'Connor	Treasurer	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$1,004,529	$152,832	$1,053,278	$851,697
2022	$125,189	$94,024	$199,456	$31,165
2021	$36,427	$75,426	$168,814	$-38,999
2020	$72,487	$147,059	$192,885	$-74,572

Womans Club of Ridgewood