GARDEN CLUB OF NEW JERSEY (EIN 226042569) - 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

1935

Legal Domicile

Phone

7322490947

Tax Period

2024-05-01 to 2025-04-30

GARDEN CLUB OF NEW JERSEY, founded in 1935, is a small nonprofit in the Environment sector that reported $124K in total revenue in fiscal year 2024. The organization ran a surplus of $60K, a strong 48% operating margin.

Mission

TO COORDINATE THE INTERESTS OF NJ GARDEN CLUBS, TO AID IN THE PROTECTION AND CONSERVATION OF OUR NATURAL RESOURCES, TO STUDY AND TEACH HORTICULTURE AND FLOWER ARRANGING.

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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 $0

Program Service Revenue $98,478

Investment Income $25,837

Other Revenue $0

TOTAL REVENUE $124,315

Expense Breakdown

Grants Paid $21,600

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $46,662

Other Expenses $42,464

TOTAL EXPENSES $64,064

Year-over-Year Comparison

	2024	2023	Change
Revenue	$124,315	$124,323	0.0%
Expenses	$64,064	$96,090	-0.3%
Net Income	$60,251	$28,233	+1.1%

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

4100

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
SUSAN BERDAHL	PRESIDENT	10.00	Officer	$0	$0	$0
PEGGY MORRISSEY	1ST VP	10.00	Officer	$0	$0	$0
ONNOLEE MILLEA	2ND VP	5.00	Officer	$0	$0	$0
RUTH KORN	3RD VP	5.00	Officer	$0	$0	$0
JANE BIANCO	TREASURER	5.00	Officer	$0	$0	$0
LINDA WILLIAMS	CORRESPONDING SECRETARY	5.00	Officer	$0	$0	$0
GAIL HARREN	RECORDING SECRETARY	0.00	Officer	$0	$0	$0
CECELIA MILLEA	PARLIAMENTARIAN	0.00	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	$124,315	$64,064	$1,324,040	$60,251
2024	$124,323	$96,090	$1,263,789	$28,233

GARDEN CLUB OF NEW JERSEY