PALOS VERDES AQUATIC CLUB (EIN 330706639) - 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

1996

Legal Domicile

Principal Officer

Patricia A Camp

Phone

3103775590

Tax Period

2025-01-01 to 2025-12-31

PALOS VERDES AQUATIC CLUB, founded in 1996, is a small nonprofit in the Recreation & Sports sector that reported $259K in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year. Expenses of $284K exceeded revenue, resulting in a 10% operating deficit.

Mission

Conduct swimming instruction and enter teams in competitive swim meets. Average 75 team members. From novice to advanced swimmers.

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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 $0

Program Service Revenue $258,578

Investment Income $0

Other Revenue $0

TOTAL REVENUE $258,578

Expense Breakdown

Grants Paid $0

Salaries & Benefits $218,579

Fundraising Expenses $0

Program Expenses $284,455

Other Expenses $65,876

TOTAL EXPENSES $284,455

Year-over-Year Comparison

	2025	2024	Change
Revenue	$258,578	$272,795	-0.1%
Expenses	$284,455	$232,973	+0.2%
Net Income	$-25,877	$39,822	-1.6%

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

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

Total Directors

Key Employees

$93,200

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Patricia A Camp	Chief Executive Officer	40	Key Emp	$58,400	$0	$58,400
Michael P Camp	Head Coach/Secretary	20	Key Emp	$34,800	$0	$34,800
Paul R Apodaca	Treasurer	5	Director	$0	$0	$0
David R Camp	Business Manager	5	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	$258,578	$284,455	$71,815	$-25,877
2024	$272,795	$232,973	$98,262	$39,822
2023	$220,488	$246,456	$61,020	$-25,968
2020	$44,604	$54,460	$7,358	$-9,856
2019	$105,311	$101,001	$27,258	$4,310
2018	$85,429	$100,812	$22,948	$-15,383

PALOS VERDES AQUATIC CLUB