Submarine Force Library & Museum Association Inc (EIN 237281074) - 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

1972

Legal Domicile

Principal Officer

RDML ARNOLD LOTRING USN RET

Phone

8604480893

Tax Period

2025-01-01 to 2025-12-31

Submarine Force Library & Museum Association Inc, founded in 1972, is a small nonprofit in the Arts, Culture & Humanities sector that reported $596K in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. Expenses of $526K left a modest 12% surplus.

Mission

The Submarine Force Library and Museum Association, Inc. works in conjunction with the U.S.S. Nautilus Memorial and Museum, to promote awareness, recognition and pride in the submarine force and its place in naval operations, past and present.

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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 $226,974

Program Service Revenue $0

Investment Income $151,275

Other Revenue $217,251

TOTAL REVENUE $595,500

Expense Breakdown

Grants Paid $0

Salaries & Benefits $245,426

Fundraising Expenses $56,070

Program Expenses $269,240

Other Expenses $280,514

TOTAL EXPENSES $525,940

Year-over-Year Comparison

	2025	2024	Change
Revenue	$595,500	$630,745	-0.1%
Expenses	$525,940	$489,720	+0.1%
Net Income	$69,560	$141,025	-0.5%

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

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

$95,462

Total Directors

$95,462

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHY LOTRING	Executive Dir.	40.00	Officer Director	$95,462	$0	$95,462
CAPT ARNE C JOHNSON USN RET	Director	1.00	Director	$0	$0	$0
CAPT RAYMOND WOOLRICH USN RE	Director	1.00	Director	$0	$0	$0
MARCY PILLSBURY ESQ	Vice President	1.00	Officer Director	$0	$0	$0
EMCSS DAVID FOWLER USN RET	Director	1.00	Director	$0	$0	$0
ALAN RUDITZKY	Treasurer	1.00	Officer Director	$0	$0	$0
DR WILLIAM J BROWNING	Director	1.00	Director	$0	$0	$0
RDML ARNOLD LOTRING USN RET	President	1.00	Officer Director	$0	$0	$0
RADM JOHN B PADGETT III USN	Director	1.00	Director	$0	$0	$0
CMC MICHAEL HURLEY USN RE	Secretary	2.00	Officer Director	$0	$0	$0
SUSAN AUSTIN	Director	1.00	Director	$0	$0	$0
RADM DAVID GOEBEL USN R	Director	1.00	Director	$0	$0	$0
RADM Michael Holland USN Ret	Director	1.00	Director	$0	$0	$0
CDR ANTHONY QUATROCHE USN RE	Director	1.00	Director	$0	$0	$0
CAPT EMIL CASCIANO USN RET	Director	1.00	Director	$0	$0	$0
CAPT PAUL WHITESCARVER USN R	Director	1.00	Director	$0	$0	$0
CAPT Brian Sittlow USN Ret	Director	1.00	Director	$0	$0	$0
CAPT Craig Litty	Director	1.00	Director	$0	$0	$0
LCDR Bryan Lucas	Director	1.00	Director	$0	$0	$0
RDML Doug Biesel USN Ret	Director	1.00	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	$595,500	$525,940	$4,262,331	$69,560
2024	$630,745	$489,720	$3,771,816	$141,025
2023	$560,080	$427,932	$3,354,119	$132,148
2022	$468,169	$408,234	$2,882,307	$59,935
2021	$950,300	$360,318	$3,425,734	$589,982
2020	$242,840	$424,932	$2,558,845	$-182,092
2019	$434,070	$424,628	$2,508,488	$9,442
2018	$462,854	$339,038	$2,140,086	$123,816

Submarine Force Library & Museum Association Inc