The College Womans Club of Westfie (EIN 226064809) - 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

1962

Legal Domicile

Phone

6174299231

Tax Period

2024-07-01 to 2025-06-30

The College Womans Club of Westfie, founded in 1962, is a small nonprofit that reported $105K in total revenue in fiscal year 2024. Revenue surged 69% from the prior year, signaling strong growth momentum. Expenses of $94K left a modest 10% surplus.

Mission

To provide scholarships for Westfield NJ area students who wish to pursue an education at an institution of higher learning.

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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 $80,568

Program Service Revenue $0

Investment Income $24,251

Other Revenue $0

TOTAL REVENUE $104,819

Expense Breakdown

Grants Paid $59,250

Salaries & Benefits $0

Fundraising Expenses $20,732

Program Expenses $59,250

Other Expenses $34,834

TOTAL EXPENSES $94,084

Year-over-Year Comparison

	2024	2023	Change
Revenue	$104,819	$61,904	+0.7%
Expenses	$94,084	$66,819	+0.4%
Net Income	$10,735	$-4,915	-3.2%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Susan Kowalenko	President	2.00	Officer	$0	$0	$0
Liz Strong	Vice President	2.00	Officer	$0	$0	$0
Anne Wargo	Treasurer	5.00	Officer	$0	$0	$0
Ruth Maloney	Secretary	2.00	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	$104,819	$94,084	$659,329	$10,735
2024	$61,904	$66,819	$614,922	$-4,915
2023	$78,637	$81,862	$554,062	$-3,225
2022	$99,113	$76,152	$521,483	$22,961
2021	$52,106	$52,600	$568,880	$-494
2020	$83,465	$56,206	$474,686	$27,259
2019	$64,298	$60,940	$505,476	$3,358

The College Womans Club of Westfie