FREDERICK WOMEN'S CIVIC CLUB INC (EIN 520784627) - 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

2019

Legal Domicile

Principal Officer

NANCY KELLER - BONDE

Phone

3016949660

Tax Period

2022-06-01 to 2023-05-31

FREDERICK WOMEN'S CIVIC CLUB INC, founded in 2019, is a micro nonprofit in the Community Improvement sector that reported $33K in total revenue in fiscal year 2022. Revenue fell 22% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $6K, a strong 19% operating margin.

Mission

IMPROVEMENTS OF THE COMMUNITY

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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 (2022)

Revenue Breakdown

Contributions & Grants $15,947

Program Service Revenue $0

Investment Income $1,363

Other Revenue $15,987

TOTAL REVENUE $33,297

Expense Breakdown

Grants Paid $7,129

Salaries & Benefits $0

Fundraising Expenses $220

Program Expenses $7,336

Other Expenses $19,602

TOTAL EXPENSES $26,938

Year-over-Year Comparison

	2022	2021	Change
Revenue	$33,297	$42,761	-0.2%
Expenses	$26,938	$38,576	-0.3%
Net Income	$6,359	$4,185	+0.5%

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

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
VIRGINIA RUSSELL	PRESIDENT	5.00	Officer	$0	$0	$0
MARY SNYDER	VICE PRESIDENT	5.00	Officer	$0	$0	$0
MELINDA SHANHOLTZ	VICE PRESIDENT	5.00	Officer	$0	$0	$0
CLARA DINTERMAN	2ND VICE PRESIDENT	5.00	Officer	$0	$0	$0
MICHELLE STRATMEYER	SECRETARY	5.00	Officer	$0	$0	$0
NANCY KELLER-BONDE	TREASURER	5.00	Officer	$0	$0	$0
RO HIGINBOTHAM	ASST TREASURER	5.00	Officer	$0	$0	$0
FRANCES RANDALL	TRUSTEE	5.00	Director	$0	$0	$0
M ELAINE CHILDS	TRUSTEE	5.00	Director	$0	$0	$0
LETTY JACOBSEN	TRUSTEE	5.00	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
2023	$33,297	$26,938	$155,090	$6,359

FREDERICK WOMEN'S CIVIC CLUB INC