Ocean Beach Womens Club Inc (EIN 474627988) - 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

1924

Legal Domicile

Principal Officer

Arlene Fink

Phone

8082646911

Tax Period

2025-01-01 to 2025-12-31

Ocean Beach Womens Club Inc, founded in 1924, is a micro nonprofit in the Human Services sector that reported $87K in total revenue in fiscal year 2025. Revenue surged 31% from the prior year, signaling strong growth momentum. Expenses of $97K exceeded revenue, resulting in a 11% operating deficit.

Mission

The Ocean Beach Womans Club is dedicated to supporting the community through civic social and educational development. We connect local women with one another through fun and philanthropy.

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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 $41,433

Program Service Revenue $0

Investment Income $0

Other Revenue $45,259

TOTAL REVENUE $86,692

Expense Breakdown

Grants Paid $11,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $11,780

Other Expenses $85,069

TOTAL EXPENSES $96,569

Year-over-Year Comparison

	2025	2024	Change
Revenue	$86,692	$66,232	+0.3%
Expenses	$96,569	$63,715	+0.5%
Net Income	$-9,877	$2,517	-4.9%

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

118

Independent Members

118

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
Arlene Fink	President	10.00	Officer	$0	$0	$0
Carrie Harris	Vice President	5.00	Officer	$0	$0	$0
Donna Titus	Treasurer	5.00	Officer	$0	$0	$0
Michelle Schultz	Secretary	5.00	Officer	$0	$0	$0
Morgan Harbridge	Member Services Officer	5.00	Officer	$0	$0	$0
Faren Shear	Historian and Technology Officer	5.00	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	$86,692	$96,569	$562,232	$-9,877
2024	$66,232	$63,715	$560,182	$2,517

Ocean Beach Womens Club Inc