MONOCACY AQUATIC CLUB INC (EIN 521103467) - 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

1976

Legal Domicile

Principal Officer

CORREY CAMALIER

Phone

2404181690

Tax Period

2024-06-01 to 2025-05-30

MONOCACY AQUATIC CLUB INC, founded in 1976, is a small nonprofit in the Recreation & Sports sector that reported $745K in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $691K left a modest 7% surplus.

Mission

INSPIRING ATHLETES TO SUCCEED IN LIFE THROUGH THE PURSUIT OF EXCELLENCE IN SWIMMING.

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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 $3,600

Program Service Revenue $728,618

Investment Income $9,416

Other Revenue $3,425

TOTAL REVENUE $745,059

Expense Breakdown

Grants Paid $0

Salaries & Benefits $338,241

Fundraising Expenses $10,323

Program Expenses $663,710

Other Expenses $352,562

TOTAL EXPENSES $690,803

Year-over-Year Comparison

	2024	2023	Change
Revenue	$745,059	$630,669	+0.2%
Expenses	$690,803	$599,331	+0.2%
Net Income	$54,256	$31,338	+0.7%

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

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

$62,030

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS KAPLAN	DIRECTOR	40.00	Director	$62,030	$0	$62,030
CORREY CAMALIER	TREASURER	2.00	Officer Director	$0	$0	$0
MICHAEL CLEARY	PRESIDENT	2.00	Officer Director	$0	$0	$0
STEPHANIE FISHER	DIRECTOR	2.00	Director	$0	$0	$0
MEREDITH FOERSTER	SECRETARY	2.00	Officer Director	$0	$0	$0
KATHLEEN JACOBS	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
BELLE NOORZAI	DIRECTOR	2.00	Director	$0	$0	$0
CARLA STEARLE	DIRECTOR	2.00	Director	$0	$0	$0
HOLLY STOVER	DIRECTOR	2.00	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
2025	$745,059	$690,803	$649,999	$54,256
2024	$630,669	$599,331	$598,677	$31,338
2023	$558,285	$554,756	$573,286	$3,529
2022	$470,725	$369,008	$567,843	$101,717
2021	$416,520	$387,049	$655,225	$29,471
2020	$507,959	$479,706	$646,971	$28,253
2019	$615,052	$567,476	$619,612	$47,576
2018	$578,444	$595,647	$623,877	$-17,203

MONOCACY AQUATIC CLUB INC