SOUTH RIVER BOAT 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

1911

Legal Domicile

Principal Officer

MICHAEL KNOX

Phone

7325989280

Tax Period

2025-01-01 to 2025-12-31

SOUTH RIVER BOAT CLUB INC, founded in 1911, is a micro nonprofit that reported $80K in total revenue in fiscal year 2025. Revenue fell 32% from the prior year — a significant decline worth monitoring. Net assets of $375K represent 57 months of operating reserves.

Mission

TO PROVIDE A VENUS FOR RECREATIONAL BOATING

Program Service Accomplishments

Program 1

Revenue: $44,088

DOCKMASTER

Program 2

Expenses: $985

GRANTS

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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 $19,620

Program Service Revenue $44,088

Investment Income $12,809

Other Revenue $3,115

TOTAL REVENUE $79,632

Expense Breakdown

Grants Paid $985

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $986

Other Expenses $85,206

TOTAL EXPENSES $86,191

Year-over-Year Comparison

	2025	2024	Change
Revenue	$79,632	$117,886	-0.3%
Expenses	$86,191	$96,237	-0.1%
Net Income	$-6,559	$21,649	-1.3%

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

N/A

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
JOE KELLY	COMMODORE	10	Officer	$0	$0	$0
MICHAEL KNOX	TREASURER	10	Officer	$0	$0	$0
DONNA MURPHY	SECRETARY	10	Officer	$0	$0	$0
JOHN CRANDALL	V COMMODORE	10	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	$79,632	$86,191	$375,497	$-6,559
2024	$117,886	$96,237	$378,450	$21,649
2023	$92,153	$96,626	$361,928	$-4,473
2022	$105,468	$136,422	$357,833	$-30,954
2021	$108,238	$102,931	$388,787	$5,307
2020	$133,099	$88,329	$383,480	$44,770
2019	$121,146	$73,684	$338,710	$47,462
2018	$136,865	$87,391	$291,248	$49,474