TRAVELERS COUNTRY CLUB ON THE MISSISSIPPI (EIN 411378603) - 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

1977

Legal Domicile

Principal Officer

THERESA OBERLOH

Phone

3207433133

Tax Period

2024-01-01 to 2024-12-31

TRAVELERS COUNTRY CLUB ON THE MISSISSIPPI, founded in 1977, is a small nonprofit that reported $954K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $203K, a strong 21% operating margin.

Mission

TO PROVIDE AND MAINTAIN RECREATIONAL FACILITIES FOR THE ASSOCIATION'S MEMBERS, THEIR FAMILIES, AND THEIR GUESTS.

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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 $879,123

Investment Income $44,692

Other Revenue $30,608

TOTAL REVENUE $954,423

Expense Breakdown

Grants Paid $1,500

Salaries & Benefits $257,887

Fundraising Expenses $0

Other Expenses $492,111

TOTAL EXPENSES $751,498

Year-over-Year Comparison

	2024	2023	Change
Revenue	$954,423	$875,656	+0.1%
Expenses	$751,498	$626,459	+0.2%
Net Income	$202,925	$249,197	-0.2%

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

100

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
THERESA OBERLOH	PRESIDENT	5.00	Officer Director	$0	$0	$0
DUFFY HANSEN	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
JEFF PIERRET	VICE PRESIDENT (THROUGH AUG)	5.00	Officer Director	$0	$0	$0
VICTORIA JASPER	TREASURER	5.00	Officer Director	$0	$0	$0
SALLY PAWLAK	TREASURER (THROUGH AUG)	5.00	Officer Director	$0	$0	$0
TOM KLEIN	SECRETARY	5.00	Officer Director	$0	$0	$0
JULIE LONNING	SECRETARY (THROUGH AUG)	5.00	Officer Director	$0	$0	$0
JOYCE FAULKENSTEIN	DIRECTOR	5.00	Director	$0	$0	$0
KEN PHARR	DIRECTOR	5.00	Director	$0	$0	$0
BRUCE OSVOLD	DIRECTOR	5.00	Director	$0	$0	$0
JULIE ABEL	DIRECTOR (THROUGH AUG)	5.00	Director	$0	$0	$0
LINDA VANRYN	DIRECTOR (THROUGH AUG)	5.00	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	$954,423	$751,498	$3,095,884	$202,925
2023	$875,656	$626,459	$2,891,138	$249,197
2022	$820,637	$672,096	$2,646,015	$148,541
2021	$824,223	$628,432	$2,494,410	$195,791
2020	$639,117	$565,473	$2,299,315	$73,644
2019	$635,427	$554,459	$2,231,097	$80,968
2018	$601,323	$548,118	$2,145,491	$53,205

TRAVELERS COUNTRY CLUB ON THE MISSISSIPPI