MARYLAND INTERCLUB SENIORS GOLF ASSOCIATION (EIN 521318614) - 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

1978

Legal Domicile

Principal Officer

Gary Manion

Phone

3019157559

Tax Period

2019-01-01 to 2019-12-31

MARYLAND INTERCLUB SENIORS GOLF ASSOCIATION, founded in 1978, is a small nonprofit that reported $116K in total revenue in fiscal year 2019. Revenue surged 66% from the prior year, signaling strong growth momentum. Expenses of $111K left a modest 4% surplus.

Mission

To provide 2,200+ MISGA members (senior amateur golfers who are referred to as Associates) with the opportunity to participate in over 230 golf events (mixers, outings and tournaments) as well as to further develop friendships and instill camaraderie within the organization.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $116,167

Investment Income $0

Other Revenue $0

TOTAL REVENUE $116,167

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $111,050

Other Expenses $111,050

TOTAL EXPENSES $111,050

Year-over-Year Comparison

	2019	2018	Change
Revenue	$116,167	$69,872	+0.7%
Expenses	$111,050	$72,287	+0.5%
Net Income	$5,117	$-2,415	-3.1%

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

Employees

N/A

Volunteers

100

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
Malcolm Peterson	President	10.00	Officer Director	$0	$0	$0
Jeff Hild	Vice President	5.00	Officer Director	$0	$0	$0
Chris Pariseau	Secretary	4	Officer Director	$0	$0	$0
Gary Manion	Treasurer	6.00	Officer Director	$0	$0	$0
Bob Hodges	Director	4	Director	$0	$0	$0
Thomas Taylor	Director	2	Director	$0	$0	$0
Wayne Rowland	Director	2	Director	$0	$0	$0
C J Myers	Director	2	Director	$0	$0	$0
Gary Kramer	Director	2	Director	$0	$0	$0
Chuck Woods	Director	2	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
2019	$116,167	$111,050	$32,845	$5,117
2018	$69,872	$72,287	$28,494	$-2,415

MARYLAND INTERCLUB SENIORS GOLF ASSOCIATION