SAN RAMON AQUACATS SWIM CLUB (EIN 264072643) - 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

2009

Legal Domicile

Principal Officer

BENJAMIN MCCARTHY

Phone

9253370874

Tax Period

2023-01-01 to 2023-12-31

SAN RAMON AQUACATS SWIM CLUB, founded in 2009, is a small nonprofit in the Recreation & Sports sector that reported $368K in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $405K exceeded revenue, resulting in a 10% operating deficit.

Mission

OUR CLUB IS A SUMMER RECREATIONAL SWIM TEAM OFFERING HIGH QUALITY COACHING AND TECHNIQUE INSTRUCTION FOR ALL AGES AND ABILITIES.

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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 $367,633

Program Service Revenue $0

Investment Income $40

Other Revenue $0

TOTAL REVENUE $367,673

Expense Breakdown

Grants Paid $0

Salaries & Benefits $229,760

Fundraising Expenses $0

Other Expenses $175,199

TOTAL EXPENSES $404,959

Year-over-Year Comparison

	2023	2022	Change
Revenue	$367,673	$332,155	+0.1%
Expenses	$404,959	$275,048	+0.5%
Net Income	$-37,286	$57,107	-1.7%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BENJAMIN MCCARTHY	PRESIDENT	3.00	Director	$0	$0	$0
SALLY NG	SECRETARY	3.00	Director	$0	$0	$0
SHERRY YANG	CO-TREASURER	3.00	Director	$0	$0	$0
ROXANNA SIU	DIRECTOR OF MERCHANDISE	2.00	Director	$0	$0	$0
VIVEK SRIVASTAVA	REGISTRAR	2.00	Director	$0	$0	$0
ALESSANDRA CASTRO	VOLUNTEER COORD	2.00	Director	$0	$0	$0
BECCA WILSON	VOLUNTEER COORD	2.00	Director	$0	$0	$0
LISA CORPUS	TEAM MANAGER	2.00	Director	$0	$0	$0
JOEY SU	MEET DIRECTOR	2.00	Director	$0	$0	$0
CONNIE CHEUNG	VSA REP	2.00	Director	$0	$0	$0
BARBARA LIANG	SOCIAL/FUNDRAISING	2.00	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
2024	No data	No data	No data	No data
2023	$367,673	$404,959	$116,496	$-37,286
2022	$332,155	$275,048	$153,782	$57,107
2021	$214,615	$240,939	$96,675	$-26,324
2020	$179,033	$231,637	$122,999	$-52,604
2019	$213,647	$213,378	$175,603	$269
2018	$225,756	$202,410	$175,334	$23,346

SAN RAMON AQUACATS SWIM CLUB