CARD INC (EIN 420935071) - 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

1966

Legal Domicile

Principal Officer

Richard McBurney

Phone

3192784787

Tax Period

2025-01-01 to 2025-12-31

CARD INC, founded in 1966, is a small nonprofit in the Recreation & Sports sector that reported $198K in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $36K, a strong 18% operating margin.

Mission

The purpose of this organization shall be to establish, develop and operate recreational facilities for the promotion of the health and welfare of it's members.

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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 $78,595

Program Service Revenue $0

Investment Income $143

Other Revenue $119,416

TOTAL REVENUE $198,154

Expense Breakdown

Grants Paid $0

Salaries & Benefits $54,438

Fundraising Expenses $0

Program Expenses $0

Other Expenses $107,477

TOTAL EXPENSES $161,915

Year-over-Year Comparison

	2025	2024	Change
Revenue	$198,154	$164,024	+0.2%
Expenses	$161,915	$153,368	+0.1%
Net Income	$36,239	$10,656	+2.4%

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

N/A

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

$2,725

Total Directors

Key Employees

$10,793

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Galvin Kelm	Manager	15	Key Emp	$10,793	$0	$10,793
Richard McBurney	Secretary/Treasurer	10	Officer	$2,725	$0	$2,725
Gerald Becker	Board Member	5	Director	$0	$0	$0
Eric Trees	Board Member	5	Director	$0	$0	$0
Gordie Howe	Board Member	5	Director	$0	$0	$0
Lisa Trees	President	5	Officer	$0	$0	$0
Eric Litterer	Vice President	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	$198,154	$161,915	$394,795	$36,239
2024	$164,024	$153,368	$258,752	$10,656

CARD INC