SOUTHBRIDGE 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

2019

Legal Domicile

Principal Officer

ANNEMARIE JUHLIN

Tax Period

2025-01-01 to 2025-12-31

SOUTHBRIDGE SWIM TEAM, founded in 2019, is a micro nonprofit in the Recreation & Sports sector that reported $53K in total revenue in fiscal year 2025. Revenue fell 24% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $11K, a strong 21% operating margin.

Mission

SBST PROVIDES SUMMER SWIM PROGRAM FOR COMPETITIVE SWIMMERS OF ALL SKILL LEVELS BETWEEN THE AGES OF 5 AND 18. OUR ORGANIZATION STRIVES TO IMPROVE THE FITNESS, HEALTH, SELF CONFIDENCE AND SPORTSMANSHIP OF PARTICIPANTS

Program Service Accomplishments

Program 1

Expenses: $19,923

SWIM DUES, FEES AND REGISTRATIONS: THE SOUTHBRIDGE SWIM TEAM INC PROVIDES OPPORTUNITY FOR COMPETITIVE PROGRAMS FOR SWIMMERS AT ALL LEVELS THROUGHOUT THE YEAR. THE OBJECTIVE OF THE SWIM PROGRAM IS TO...

Program 2

Expenses: $11,548 Revenue: $40,974

SWIM MEET HOSTING: THE SOUTHBRIDGE SMIM TEAM INC HOST MEETS DURING THE YEAR.

Program 3

Expenses: $10,297 Revenue: $8,817

SPIRIT WEAR/EQUIPMENT SALES

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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 $2,277

Program Service Revenue $49,791

Investment Income $19

Other Revenue $690

TOTAL REVENUE $52,777

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $41,768

Other Expenses $41,768

TOTAL EXPENSES $41,768

Year-over-Year Comparison

	2025	2024	Change
Revenue	$52,777	$69,408	-0.2%
Expenses	$41,768	$49,390	-0.2%
Net Income	$11,009	$20,018	-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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANNEMARIE JUHLIN	PRESIDENT	2.00	Officer Director	$0	$0	$0
EMILY MURPHY	SECRETARY	1.00	Officer Director	$0	$0	$0
MIKE MURPHY	TREASURER	3.00	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	$52,777	$41,768	$45,881	$11,009
2024	$69,408	$49,390	$37,831	$20,018
2023	$23,700	$26,087	$23,049	$-2,387
2022	$36,271	$32,751	$15,002	$3,520
2021	$37,980	$26,404	$10,874	$11,576