RUTHERFORD AREA SWIMMING CLUB CORP (EIN 546063213) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1965

Legal Domicile

Principal Officer

Carl Santillo

Phone

2022561919

Tax Period

2024-10-01 to 2025-09-30

RUTHERFORD AREA SWIMMING CLUB CORP, founded in 1965, is a small nonprofit that reported $197K in total revenue in fiscal year 2023. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $169K left a modest 14% surplus.

Mission

Community swimming pool

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $143,205

Program Service Revenue $38,210

Investment Income $3,624

Other Revenue $91,866

TOTAL REVENUE $276,905

Expense Breakdown

Grants Paid $0

Salaries & Benefits $90,210

Fundraising Expenses $0

Program Expenses $0

Other Expenses $73,517

TOTAL EXPENSES $163,727

Year-over-Year Comparison

	2024	2023	Change
Revenue	$276,905	$196,741	+0.4%
Expenses	$163,727	$168,742	0.0%
Net Income	$113,178	$27,999	+3.0%

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

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
Andy Detor	President	10.00	Officer Director	$0	$0	$0
Mallory Hink	Vice President	10.00	Officer Director	$0	$0	$0
Colleen Mann	Secretary	10.00	Officer Director	$0	$0	$0
Carl Santillo	Treasurer	10.00	Officer Director	$0	$0	$0
Liz Guarnieri	Director	10.00	Director	$0	$0	$0
Rebecca Arguello	Director	10.00	Director	$0	$0	$0
Mike Garofalo	Director	10.00	Director	$0	$0	$0
Greg Ordun	Director	10.00	Director	$0	$0	$0
Cameron Childs	Director	10.00	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	$276,905	$163,727	$187,108	$113,178
2024	$196,741	$168,742	$203,974	$27,999
2024	$196,741	$168,742	$203,974	$27,999

RUTHERFORD AREA SWIMMING CLUB CORP