CAPE MAY PADDLE CLUB (EIN 464624639) - 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

2014

Legal Domicile

Principal Officer

MICHAEL SEAN SCARBOROUGH

Phone

6099045444

Tax Period

2025-01-01 to 2025-12-31

CAPE MAY PADDLE CLUB, founded in 2014, is a small nonprofit in the Recreation & Sports sector that reported $289K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $335K exceeded revenue, resulting in a 16% operating deficit.

Mission

TO PROVIDE MEMBER ACCESS TO RECREATIONAL AND SOCIAL OPPORTUNITIES PROVIDED BY CLUB FACILITIES INCLUDING SWIMMING POOLS, GRILL AREAS, EVENT AREAS, AND ACCESS TO WATERFRONT, BOATING AND WATER SPORT ACTIVITIES. THE CLUB FACILITIES PROVIDE MEMBERS WITH OPPORTUNITIES AND AREAS TO INTERACT SOCIALLY, RECREATE TOGETHER, AND ACCESS AND ENJOY BOTH POOL AND OPEN WATER ACTIVITIES.

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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 $288,944

Investment Income $11

Other Revenue $0

TOTAL REVENUE $288,955

Expense Breakdown

Grants Paid $1,225

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $278,717

Other Expenses $334,043

TOTAL EXPENSES $335,268

Year-over-Year Comparison

	2025	2024	Change
Revenue	$288,955	$263,431	+0.1%
Expenses	$335,268	$254,080	+0.3%
Net Income	$-46,313	$9,351	-6.0%

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

N/A

Volunteers

N/A

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
CHRISTOPHER DAVID SCARBOROUGH	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHAEL SEAN SCARBOROUGH	EXECUTIVE DIRECTOR	1.00	Officer Director	$0	$0	$0
STEPHEN TODD SCARBOROUGH	TREASURER	1.00	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	$288,955	$335,268	$41,791	$-46,313
2024	$263,431	$254,080	$86,043	$9,351

CAPE MAY PADDLE CLUB