SADDLE RIVER VALLEY SWIM & TENNIS CLUB (EIN 221989249) - 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

1994

Legal Domicile

Phone

8453569010

Tax Period

2025-01-01 to 2025-12-31

SADDLE RIVER VALLEY SWIM & TENNIS CLUB, founded in 1994, is a small nonprofit that reported $564K in total revenue in fiscal year 2025. Expenses of $673K exceeded revenue, resulting in a 19% operating deficit.

Mission

RECREATIONAL SWIM AND TENNIS CLUB FOR MEMBERS ONLY

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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 $0

Program Service Revenue $564,046

Investment Income $0

Other Revenue $0

TOTAL REVENUE $564,046

Expense Breakdown

Grants Paid $0

Salaries & Benefits $242,430

Fundraising Expenses $0

Program Expenses $672,558

Other Expenses $430,128

TOTAL EXPENSES $672,558

Year-over-Year Comparison

	2025	2024	Change
Revenue	$564,046	$564,046	N/A
Expenses	$672,558	$672,558	N/A
Net Income	$-108,512	$-108,512	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

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
CHEE CHIU	BOARD MEMBER	2.00	Director	$0	$0	$0
RICHARD CARP	VICE PRESIDENT	2.00	Director	$0	$0	$0
SEAN BOOKSTAVER	BOARD MEMBER	2.00	Director	$0	$0	$0
LUZ TERRANOVA	BOARD MEMBER	2.00	Director	$0	$0	$0
MICHAEL ARBER	PRESIDENT	2.00	Director	$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	$564,046	$672,558	$1,051,422	$-108,512
2024	No data	No data	No data	No data
2023	$681,892	$666,667	$1,145,651	$15,225
2022	$681,626	$636,842	$1,131,732	$44,784
2021	$659,959	$574,911	$1,150,760	$85,048
2020	$497,721	$501,827	$1,066,791	$-4,106
2019	$428,764	$454,245	$1,050,959	$-25,481
2018	$428,806	$407,567	$1,135,353	$21,239

SADDLE RIVER VALLEY SWIM & TENNIS CLUB