RICHMOND COUNCIL OF GARDEN CLUBS

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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

1932

Legal Domicile

Principal Officer

JEAN FENDER

Phone

8047527598

Tax Period

2024-06-01 to 2025-05-31

RICHMOND COUNCIL OF GARDEN CLUBS, founded in 1932, is a micro nonprofit that reported $26K in total revenue in fiscal year 2024. Revenue surged 43% from the prior year, signaling strong growth momentum. Net assets of $414K represent 192 months of operating reserves.

Mission

Perfect and enhance gardening techniques

Program Service Accomplishments

Program 1

Expenses: $23,720

CASH GIFTS TO VARIOUS LOCAL EDUCATIONAL, NOT FOR PROFIT AND CIVIC ORGANIZATIONS. THE MAIN EMPHASIS OF THE RECEIVING ORGANIZATIONS MUST BE PUBLIC EDUCATION IN HORTICULTURE AND /OR LANDSCAPE...

CASH GIFTS TO VARIOUS LOCAL EDUCATIONAL, NOT FOR PROFIT AND CIVIC ORGANIZATIONS. THE MAIN EMPHASIS OF THE RECEIVING ORGANIZATIONS MUST BE PUBLIC EDUCATION IN HORTICULTURE AND /OR LANDSCAPE BEAUTIFICATION

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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 $11,082

Program Service Revenue $3,435

Investment Income $11,302

Other Revenue $0

TOTAL REVENUE $25,819

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $23,720

Other Expenses $26,788

TOTAL EXPENSES $26,788

Year-over-Year Comparison

	2024	2023	Change
Revenue	$25,819	$18,051	+0.4%
Expenses	$26,788	$22,379	+0.2%
Net Income	$-969	$-4,328	-0.8%

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

123

Independent Members

123

Employees

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARBARA HOLLISTER	President	005.00	Officer	$0	$0	$0
CHERYL WILLIAMS	First Vice-President	001.00	Officer	$0	$0	$0
JEANNE STIGALL	Second Vice-President	002.00	Officer	$0	$0	$0
JANE VANDENBURGH	Recording Secretary	001.00	Officer	$0	$0	$0
SUSAN DELSORDO	Corresponding Secretary	001.00	Officer	$0	$0	$0
JEAN FENDER	Treasurer	005.00	Officer	$0	$0	$0
PAT MERSON	Historian	002.00	Officer	$0	$0	$0
JANICE BEATTY	Second Vice-President	001.00	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	$25,819	$26,788	$413,721	$-969
2024	$18,051	$22,379	$414,690	$-4,328
2023	$16,850	$17,559	$419,018	$-709
2022	$22,005	$11,130	$419,139	$10,875
2021	$29,860	$9,252	$408,264	$20,608
2020	$9,666	$6,806	$387,656	$2,860
2019	$30,328	$16,431	$384,796	$13,897