PROVIDENCE CLUB INC (EIN 520813435) - 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

1965

Legal Domicile

Principal Officer

Alex Knoll

Phone

1402713999

Tax Period

2025-01-01 to 2025-12-31

PROVIDENCE CLUB INC, founded in 1965, is a small nonprofit that reported $160K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Net assets of $474K represent 35 months of operating reserves.

Mission

Community homeowners association HOA operation of clubhouse swimming pool marina and maintenance of common grounds for the use and enjoyment of the residents.

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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 $157,995

Program Service Revenue $0

Investment Income $2,320

Other Revenue $0

TOTAL REVENUE $160,315

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $175,693

TOTAL EXPENSES $175,693

Year-over-Year Comparison

	2025	2024	Change
Revenue	$160,315	$145,756	+0.1%
Expenses	$175,693	$280,963	-0.4%
Net Income	$-15,378	$-135,207	-0.9%

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

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
Jeff Harbeson	President	2.00	Officer	$0	$0	$0
Cynthia Sweeney	Vice President	2.00	Officer	$0	$0	$0
Jeanne Pettebone	Secretary	4.00	Officer	$0	$0	$0
Alex Knoll	Treasurer	10.00	Officer	$0	$0	$0
Greg Thomas	Finance Chair	10.00	Officer	$0	$0	$0
Chris O'Brien	Maintenance chair	5.00	Officer	$0	$0	$0
Katie Pappianou	Swimming Pool chair	5.00	Officer	$0	$0	$0
Terri Galligan	Clubhouse Chair	10.00	Officer	$0	$0	$0
Michael Gomez	Maina Chair	10.00	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	$160,315	$175,693	$871,945	$-15,378
2024	No data	No data	No data	No data
2023	$138,615	$177,903	$1,057,932	$-39,288
2022	$171,285	$194,156	$1,082,847	$-22,871
2021	$482,302	$446,178	$1,076,668	$36,124
2020	$282,486	$321,636	$693,630	$-39,150

PROVIDENCE CLUB INC