COMMUNITY CLUB OF BLOWING ROCK INC

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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

1955

Legal Domicile

Principal Officer

Shelley Pendleton

Phone

8282957000

Tax Period

2024-09-01 to 2025-08-31

COMMUNITY CLUB OF BLOWING ROCK INC, founded in 1955, is a small nonprofit that reported $124K in total revenue in fiscal year 2024. Revenue fell 25% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $35K, a strong 28% operating margin.

Mission

To own, operate and maintain a community library. To promote philanthropic work.

Program Service Accomplishments

Program 1

Expenses: $89,200 Revenue: $0

To Provide a free Community Library for residents of Blowing Rock, North Carolina. In the past year total books checked out were 3167. New Adult books and Children's books purchased totaled 235...

To Provide a free Community Library for residents of Blowing Rock, North Carolina. In the past year total books checked out were 3167. New Adult books and Children's books purchased totaled 235. Additionally we added 206 new library card holders.

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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 $64,584

Program Service Revenue $37,849

Investment Income $21,612

Other Revenue $0

TOTAL REVENUE $124,045

Expense Breakdown

Grants Paid $0

Salaries & Benefits $51,300

Fundraising Expenses $0

Program Expenses $89,200

Other Expenses $37,900

TOTAL EXPENSES $89,200

Year-over-Year Comparison

	2024	2023	Change
Revenue	$124,045	$165,281	-0.2%
Expenses	$89,200	$90,490	0.0%
Net Income	$34,845	$74,791	-0.5%

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

$46,769

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lynne Oakvik	Library Manager	30	Key Emp Highest	$46,769	$0	$46,769
Shelley Pendleton	President/Director	10	Officer Director	$0	$0	$0
Dave Cox	Vice President/Director	6	Officer Director	$0	$0	$0
Liz Jones	Secretary/Director	4	Officer Director	$0	$0	$0
Leslie Whittern	Treasurer/Director	10	Officer Director	$0	$0	$0
James Clabough	Treasurer/Director	6	Officer Director	$0	$0	$0
Saralyn Kader	Children's Library Manager/Director	8	Director	$0	$0	$0
Phylis Ryan	Membership Chair/Director	6	Director	$0	$0	$0
David Sweet	House and Grounds/ Director	8	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	$124,045	$89,200	$518,298	$34,845
2022	$117,347	$84,413	$413,776	$32,934
2021	$87,869	$68,894	$385,800	$18,975
2020	$60,789	$70,777	$366,605	$-9,988
2019	$104,459	$67,263	$376,907	$37,196
2018	$86,526	$73,106	$339,563	$13,420