ST CROIX SWIM CLUB (EIN 411980600) - 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

2000

Legal Domicile

Principal Officer

Charlie Vazac

Phone

4157102779

Tax Period

2024-09-01 to 2025-08-31

ST CROIX SWIM CLUB, founded in 2000, is a small nonprofit in the Recreation & Sports sector that reported $491K in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $437K left a modest 11% surplus.

Mission

St. Croix Swim Club is a year-round competitive swim team offering professional coaching for the novice through highly experienced swimmer. Our goal is to promote the sport of swimming and encourage each swimmer to set goals and strive hard through practice and swim meet participations to reach new levels of achievement.

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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 $109,382

Program Service Revenue $375,210

Investment Income $2,103

Other Revenue $4,534

TOTAL REVENUE $491,229

Expense Breakdown

Grants Paid $0

Salaries & Benefits $270,671

Fundraising Expenses $0

Program Expenses $417,433

Other Expenses $166,290

TOTAL EXPENSES $436,961

Year-over-Year Comparison

	2024	2023	Change
Revenue	$491,229	$421,485	+0.2%
Expenses	$436,961	$378,999	+0.2%
Net Income	$54,268	$42,486	+0.3%

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

$99,450

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Olga Espinosa	CEO and Head Coach	40.00	Officer	$99,450	$0	$99,450
Charles Vazac	President	4.00	Officer	$0	$0	$0
Mike Biebl	Vice President	4.00	Officer	$0	$0	$0
Mike Christianson	Treasurer	4.00	Officer	$0	$0	$0
Jon Polasky	Secretary	2.00	Officer	$0	$0	$0
Jennifer McCool	Member	2.00	Director	$0	$0	$0
Lori Egbers	Member	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
2025	$491,229	$436,961	$271,598	$54,268
2024	$421,485	$378,999	$217,330	$42,486
2023	$399,686	$359,336	$174,844	$40,350
2022	$377,694	$331,003	$134,494	$46,691
2021	$302,390	$277,339	$127,805	$25,051
2020	$230,889	$267,578	$95,734	$-36,689
2019	$271,096	$312,802	$102,302	$-41,706
2018	$375,577	$375,701	$144,131	$-124

ST CROIX SWIM CLUB