NINE OAKS CLUB (EIN 231667372) - 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

1965

Legal Domicile

Principal Officer

KURT FORD

Phone

4842430640

Tax Period

2025-01-01 to 2025-09-30

NINE OAKS CLUB, founded in 1965, is a small nonprofit in the Recreation & Sports sector that reported $225K in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. Expenses of $271K exceeded revenue, resulting in a 20% operating deficit.

Mission

TO PROVIDE A SEASONAL SWIM AND TENNIS CLUB TO MEET THE RECREATIONAL NEEDS OF ITS MEMBERS.

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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 $210

Program Service Revenue $224,922

Investment Income $152

Other Revenue $0

TOTAL REVENUE $225,284

Expense Breakdown

Grants Paid $0

Salaries & Benefits $119,560

Fundraising Expenses $0

Other Expenses $151,342

TOTAL EXPENSES $270,902

Year-over-Year Comparison

	2025	2024	Change
Revenue	$225,284	$238,904	-0.1%
Expenses	$270,902	$284,820	0.0%
Net Income	$-45,618	$-45,916	0.0%

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

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
RYAN DEVLIN	DIR, SOCIAL	3.00	Director	$0	$0	$0
KOURTNAY LOUGHIN	DIR, MEMBERSHIP	10.00	Director	$0	$0	$0
AMANDA MCPHILLIPS	SWIM TEAM MGR	3.00	Director	$0	$0	$0
DENISE WENDELL	DIR, SNACK BAR	3.00	Director	$0	$0	$0
JULIE TIGHE	SWIM TEAM TREASURER	3.00	Director	$0	$0	$0
PETER DRUCKENMILLER	MEMBER AT LARGE	3.00	Director	$0	$0	$0
JUDD STRAUSS	PRESIDENT	10.00	Officer	$0	$0	$0
JAMES FARRELL	VICE PRESIDENT	3.00	Officer	$0	$0	$0
KURT FORD	TREASURER	10.00	Officer	$0	$0	$0
ASHLEY ROCHE	SECRETARY	3.00	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	$225,284	$270,902	$266,342	$-45,618
2024	$238,904	$284,820	$311,960	$-45,916
2023	$276,615	$272,491	$358,251	$4,124
2022	$263,269	$283,062	$354,127	$-19,793
2021	$312,560	$255,671	$374,042	$56,889
2019	$243,361	$217,804	$311,250	$25,557
2018	$210,389	$181,749	$285,464	$28,640

NINE OAKS CLUB