WILDWOOD CREST DOLPHIN SWIM TEAM

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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

2008

Legal Domicile

Principal Officer

CHRISTIAN V GAMBLE

Phone

2152846609

Tax Period

2024-09-01 to 2025-08-31

WILDWOOD CREST DOLPHIN SWIM TEAM, founded in 2008, is a micro nonprofit that reported $72K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $80K exceeded revenue, resulting in a 10% operating deficit.

Mission

WILDWOOD CREST DOLPHIN SWIM TEAM, INC. OFFERS YEAR ROUND SWIMMING FOR INSTRUCTIONAL AND COMPETITIVE PURPOSES. THE TEAM COMPETES IN THE MIDDLE ATLANTIC LOCAL SWIM COMMITTEE OF THE EASTERN ZONE OF THE USA. THE SWIM TEAM CONSISTS OF 3 DIFFERENT AGE GROUPS. BLUE, AGES 8 AND UNDER, WHITE,AGES 9 TO 12, AND ORANGE, AGES 13 AND OVER. AGE GROUPS ARE ALSO DEPENDENT UPON THE LEVEL OF ABILITY AS DETERMINED AT REGISTRATION. THE CLUB PROVIDES PRACTICE TIME WITH QUALIFIED INSTRUCTORS AND TRAINERS THROUGHOUT THE WEEK.

Program Service Accomplishments

Program 1

Expenses: $79,705

TO HAVE A YOUTH SWIM TEAM WHICH PROMOTES FUN, PARTICIPATION, PHYSICAL FITNESS, SELF DISCIPLINE, SOCIAL POISE, GOOD SPORTSMANSHIP, SPIRITUAL WELL BEING AND ADVANCED SWIMMING SKILLS. TO PROVIDE THE...

TO HAVE A YOUTH SWIM TEAM WHICH PROMOTES FUN, PARTICIPATION, PHYSICAL FITNESS, SELF DISCIPLINE, SOCIAL POISE, GOOD SPORTSMANSHIP, SPIRITUAL WELL BEING AND ADVANCED SWIMMING SKILLS. TO PROVIDE THE OPPORTUNITY TO BE PART OF AN ORGANIZED ATHLETIC TEAM AND EXPERIENCE THE THRILL OF COMPETING WITH OTHERS OF COMPARABLE ABILITY AND INTERESTS.

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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 $0

Program Service Revenue $72,279

Investment Income $0

Other Revenue $0

TOTAL REVENUE $72,279

Expense Breakdown

Grants Paid $0

Salaries & Benefits $54,392

Fundraising Expenses $0

Program Expenses $79,705

Other Expenses $25,313

TOTAL EXPENSES $79,705

Year-over-Year Comparison

	2024	2023	Change
Revenue	$72,279	$63,554	+0.1%
Expenses	$79,705	$80,884	0.0%
Net Income	$-7,426	$-17,330	-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

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

$54,392

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTIAN V GAMBLE	PRESIDENT/CO	25.00	Officer	$41,840	$0	$41,840
RONALD AYRES II	ASSISTANT CO	15.00	Officer	$12,552	$0	$12,552
STEPHEN RANALLI	SECRETARY	1.00	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	$72,279	$79,705	$23,438	$-7,426
2024	$63,554	$80,884	$30,864	$-17,330
2023	$66,077	$70,619	$48,194	$-4,542
2022	$83,845	$67,560	$52,736	$16,285
2021	$63,747	$41,663	$36,451	$22,084
2020	$54,446	$43,864	$14,367	$10,582