STEUBENVILLE SADDLE CLUB

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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

2012

Legal Domicile

Principal Officer

ZACH MURRAY

Phone

7407654806

Tax Period

2024-01-01 to 2024-12-31

STEUBENVILLE SADDLE CLUB, founded in 2012, is a micro nonprofit in the Animal-Related sector that reported $44K in total revenue in fiscal year 2024. Expenses of $63K exceeded revenue, resulting in a 43% operating deficit.

Mission

BUILDING AND MAINTAINING COMMUNITY INTEREST IN HORSES AND HORSEMANSHIP IN ALL FORMS OF EQUESTRIAN ACTIVITY.

Program Service Accomplishments

Program 1

Revenue: $15,110

BUILDING AND MAINTAINING COMMUNITY INTEREST IN HORSES AND HORSEMANSHIP IN ALL FORMS OF EQUESTRIAN ACTIVITY.

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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 $1,765

Program Service Revenue $15,110

Investment Income $0

Other Revenue $27,060

TOTAL REVENUE $43,935

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $13,286

Program Expenses $24,551

Other Expenses $62,787

TOTAL EXPENSES $62,787

Year-over-Year Comparison

	2024	2023	Change
Revenue	$43,935	N/A	N/A
Expenses	$62,787	N/A	N/A
Net Income	$-18,852	N/A	N/A

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

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
ALLISON BOYD	SECRETARY	5.00	Officer Director	$0	$0	$0
JOHN CARROLL	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
CATHLEEN HICKLE	TREASURER	5.00	Officer Director	$0	$0	$0
ZACH MURRAY	PRESIDENT	5.00	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	No data	No data	No data	No data
2024	$43,935	$62,787	$140,760	$-18,852