SEVERN RIVER SWIM CLUB INC (EIN 520700236) - 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

1958

Legal Domicile

Principal Officer

Scott Monroe

Phone

4106479833

Tax Period

2024-10-01 to 2025-09-30

SEVERN RIVER SWIM CLUB INC, founded in 1958, is a small nonprofit that reported $396K in total revenue in fiscal year 2024. Expenses of $453K exceeded revenue, resulting in a 14% operating deficit.

Mission

Promote health, welfare and community spirit of its membership via swimming pool and recreational facilities

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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 $396,051

Investment Income $0

Other Revenue $0

TOTAL REVENUE $396,051

Expense Breakdown

Grants Paid $0

Salaries & Benefits $64,239

Fundraising Expenses $0

Program Expenses $452,516

Other Expenses $388,277

TOTAL EXPENSES $452,516

Year-over-Year Comparison

	2024	2023	Change
Revenue	$396,051	$393,912	+0.0%
Expenses	$452,516	$420,442	+0.1%
Net Income	$-56,465	$-26,530	+1.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Scott Monroe	President	5	Officer	$0	$0	$0
John Hampson	Secretary	5	Officer	$0	$0	$0
Judy Davidson	VP Personnel	5	Officer	$0	$0	$0
Jeff Ortel	VP Operations	5	Officer	$0	$0	$0
Brian Karney	Treasurer	5	Officer	$0	$0	$0
Vicki Thomas	Assistant Treasurer	5	Officer	$0	$0	$0
Johan Van de Meulebroecke	Marina	5	Officer	$0	$0	$0
Beth Dudeck	Membership	5	Officer	$0	$0	$0
Rob Williams	Board Member	5	Officer	$0	$0	$0
Richard Snader	IT/ Board Member	5	Officer	$0	$0	$0
Scott Shaner	Snack Bar	5	Officer	$0	$0	$0
Scott Cochran	Board Member	5	Officer	$0	$0	$0
Amy Miller	Swim Team	5	Officer	$0	$0	$0
Emily Seltzer	Dive Team	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	$396,051	$452,516	$480,160	$-56,465
2024	$393,912	$420,442	$556,802	$-26,530
2023	$363,869	$421,729	$578,332	$-57,860
2022	$343,429	$276,563	$629,842	$66,866
2021	$328,422	$242,437	$556,976	$85,985
2020	$275,710	$251,964	$411,109	$23,746

SEVERN RIVER SWIM CLUB INC