WOMEN MARINES ASSOCIATION

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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

1982

Legal Domicile

Principal Officer

ANN CRITTENDEN

Phone

8885251943

Tax Period

2024-07-01 to 2025-06-30

WOMEN MARINES ASSOCIATION, founded in 1982, is a small nonprofit that reported $205K in total revenue in fiscal year 2024. Expenses of $251K exceeded revenue, resulting in a 23% operating deficit.

Mission

WMA PROVIDES TRAINING AND EDUCATIONAL OPPORTUNITIES FOR ITS MEMBERS AND MILITARY VETERANS, SERVICE PROGRAMS TO SUPPORT VETERANS, A PROGRAM TO PROVIDE GRANTS OF EMERGENCY FUNDS TO VETERANS IN NEED, MATCHING FUNDS TO CHAPTERS THAT ARE SUPPORTING VETERANS PROGRAMS. WMA ALSO PROVIDES RECOGNITION AWARDS TO OUTSTANDING GRADUATES OF MARINE CORPS RECRUIT PLATOONS AND TO OUTSTANDING CADETS IN MARINE CORPS JUNIOR RESERVE OFFICER TRAINING CORPS IN VARIOUS HIGH SCHOOLS. WMA ADMINISTERS AND FUNDS A COLLEGE SCHOLARSHIP PROGRAM THAT SUPPORTS INDIVIDUALS WHO ARE AFFILIATED WITH THE UNITED STATES MARINE CORPS.

Program Service Accomplishments

Program 1

Expenses: $195,244 Revenue: $0

THE EXPENSES NOTED ABOVE ARE MANAGEMENT EXPENSES (HOUSEKEEPING EXPENSES) FOR SCHOLARSHIPS, GRANTS, AND DONATION CORRESPONDENCE, MAILING, PRINTING OF OUR NEWSLETTER ETC. THE WMA DOES PROVIDE GRANTS...

THE EXPENSES NOTED ABOVE ARE MANAGEMENT EXPENSES (HOUSEKEEPING EXPENSES) FOR SCHOLARSHIPS, GRANTS, AND DONATION CORRESPONDENCE, MAILING, PRINTING OF OUR NEWSLETTER ETC. THE WMA DOES PROVIDE GRANTS (EMERGENCY IN NATURE FOR WOMEN VETERANS WHO REQUEST IT AND CAN PROVE THEIR NEED) AND THERE ARE SOME EXPENSES TO HELP SUPPORT THE PROGRAM.

Program 2

Expenses: $9,032 Revenue: $0

'NOUNCEMENTS IS A QUARTERLY NEWSLETTER THAT IS PUBLISHED ELECTRONICALLY AND ALSO PRINTED TO PROVIDE MEMBERS THAT DO NOT HAVE ELECTRONIC ACCESS VIA INTERNET TO HAVE A COPY. APPROXIMATELY 500 ARE...

'NOUNCEMENTS IS A QUARTERLY NEWSLETTER THAT IS PUBLISHED ELECTRONICALLY AND ALSO PRINTED TO PROVIDE MEMBERS THAT DO NOT HAVE ELECTRONIC ACCESS VIA INTERNET TO HAVE A COPY. APPROXIMATELY 500 ARE PUBLISHED IN HARD COPY.

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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 $37,498

Program Service Revenue $0

Investment Income $149,036

Other Revenue $18,071

TOTAL REVENUE $204,605

Expense Breakdown

Grants Paid $60,645

Salaries & Benefits $0

Fundraising Expenses $8,958

Program Expenses $204,276

Other Expenses $190,052

TOTAL EXPENSES $250,697

Year-over-Year Comparison

	2024	2023	Change
Revenue	$204,605	$208,345	0.0%
Expenses	$250,697	$318,891	-0.2%
Net Income	$-46,092	$-110,546	-0.6%

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
ANN CRITTENDEN	PRESIDENT	40.00	Officer Director	$0	$0	$0
PATRICIA COLLINS	VICE PRESIDENT	20.00	Officer Director	$0	$0	$0
RHONDA LEBRESCU-AMTOWER	IMMEDIATE PAST PRESIDENT	20.00	Officer Director	$0	$0	$0
CHRISTINE WEBSTER	TREASURER	20.00	Officer Director	$0	$0	$0
JANIA MASTERSON	SECRETARY	15.00	Officer Director	$0	$0	$0
MARY ANN MERRITT	DIRECTOR OF MARKETING & COMMUNICATIONS	15.00	Officer Director	$0	$0	$0
ADIANNE MCLARAHMORE	DIRECTOR OF MEMBER SERVICE	15.00	Officer Director	$0	$0	$0
MARY ELLEN STONE	DIRECTOR OF PROGRAMS	15.00	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	$204,605	$250,697	$2,385,602	$-46,092
2024	No data	No data	No data	No data
2023	$145,644	$350,138	$2,434,447	$-204,494
2022	$269,788	$338,429	$2,618,742	$-68,641
2021	$118,386	$375,218	$2,971,951	$-256,832
2020	$217,178	$255,947	$2,834,264	$-38,769
2019	$180,990	$188,310	$3,166,117	$-7,320