PIONEER VALLEY RIVERFRONT CLUB INC (EIN 260251831) - 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

2007

Legal Domicile

Principal Officer

Charles Hines

Phone

4137361322

Tax Period

2023-01-01 to 2023-12-31

PIONEER VALLEY RIVERFRONT CLUB INC, founded in 2007, is a small nonprofit in the Recreation & Sports sector that reported $263K in total revenue in fiscal year 2023. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $340K exceeded revenue, resulting in a 29% operating deficit.

Mission

TO PROMOTE RIVER BASED SPORTING AS A MEANS OF ATTAINING PHYSICAL FITNESS AND BETTER HEALTH, TRAIN AMATEUR ATHLETES, DEVELOP RIVER ACCESS, EDUCATION, ETC.

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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 (2023)

Revenue Breakdown

Contributions & Grants $48,576

Program Service Revenue $188,030

Investment Income $1,684

Other Revenue $24,991

TOTAL REVENUE $263,281

Expense Breakdown

Grants Paid $0

Salaries & Benefits $174,877

Fundraising Expenses $0

Program Expenses $284,665

Other Expenses $164,908

TOTAL EXPENSES $339,785

Year-over-Year Comparison

	2023	2022	Change
Revenue	$263,281	$350,312	-0.2%
Expenses	$339,785	$311,117	+0.1%
Net Income	$-76,504	$39,195	-3.0%

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

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

$66,185

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BENJAMIN QUICK	EXECUTIVE DIRECTOR	040.00	Officer Highest	$66,185	$0	$66,185
JAMES BRODERICK	DIRECTOR	001.00	Director	$0	$0	$0
JULIE DOUGAL	DIRECTOR	001.00	Director	$0	$0	$0
SUE DOUGHERTY	DIRECTOR	001.00	Director	$0	$0	$0
NICOLE COAKLEY	DIRECTOR	001.00	Director	$0	$0	$0
JOSIAH GONZALEZ	DIRECTOR	001.00	Director	$0	$0	$0
LOUISA DAVIS-FREEMASON	VICE PRESIDENT	001.00	Officer	$0	$0	$0
JOE WALT	TREASURER	001.00	Officer	$0	$0	$0
CHARLES HINES	PRESIDENT	001.00	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
2024	No data	No data	No data	No data
2023	$263,281	$339,785	$179,599	$-76,504
2022	$177,499	$311,116	$253,198	$-133,617
2022	$350,312	$311,116	$253,198	$39,196
2022	$350,312	$311,116	$253,198	$39,196
2021	$242,446	$219,448	$220,511	$22,998
2020	$188,682	$239,023	$218,021	$-50,341
2019	$299,755	$363,083	$240,525	$-63,328
2018	$383,968	$438,646	$310,017	$-54,678

PIONEER VALLEY RIVERFRONT CLUB INC