CREAM VALLEY SOCIAL CLUB INC

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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

1997

Legal Domicile

Principal Officer

BARBARA MARTIN

Phone

8567698333

Tax Period

2025-01-01 to 2025-12-31

CREAM VALLEY SOCIAL CLUB INC, founded in 1997, is a small nonprofit in the Recreation & Sports sector that reported $340K in total revenue in fiscal year 2025.

Mission

RECREATION AND ATHLETICS.

Program Service Accomplishments

Program 1

Expenses: $342,078

THE CLUB ENCOURAGES RECREATION AND ATHLETICS AMONG IT'S MEMBERS THROUGH THE USE OF THE CLUB AND THE CLUBHOUSE, DEVELOPS SOCIAL LIFE AMONG ITS MEMBERS, INCLUDING PROVIDING FACILITIES FOR DINING AND...

THE CLUB ENCOURAGES RECREATION AND ATHLETICS AMONG IT'S MEMBERS THROUGH THE USE OF THE CLUB AND THE CLUBHOUSE, DEVELOPS SOCIAL LIFE AMONG ITS MEMBERS, INCLUDING PROVIDING FACILITIES FOR DINING AND REFRESHMENTS FOR MEMBERS APPROVED CHARITABLE AND PUBLIC SERVICES, AND PROMOTES THE GENERAL WELFARE OF THE COMMUNITY.

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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 $0

Investment Income $0

Other Revenue $339,882

TOTAL REVENUE $339,882

Expense Breakdown

Grants Paid $16,100

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $342,078

Other Expenses $325,978

TOTAL EXPENSES $342,078

Year-over-Year Comparison

	2025	2024	Change
Revenue	$339,882	$325,879	+0.0%
Expenses	$342,078	$326,317	+0.0%
Net Income	$-2,196	$-438	+4.0%

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

N/A

Employees

N/A

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
STEPHANIE LUX	TREASURER/TR	N/A	Officer Director	$0	$0	$0
BARBARA MARTIN	VP/SECRETARY	N/A	Officer Director	$0	$0	$0
STEPHEN MARTIN	PRESIDENT/TR	N/A	Officer 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	$339,882	$342,078	$395,294	$-2,196
2024	$325,879	$326,317	$351,433	$-438
2023	$309,837	$313,401	$310,766	$-3,564
2022	$404,952	$406,263	$262,292	$-1,311
2021	$281,737	$283,752	$267,112	$-2,015
2020	$170,832	$172,709	$194,665	$-1,877
2019	$310,328	$310,397	$184,423	$-69
2018	$275,339	$277,107	$176,899	$-1,768