FERMATA CLUB

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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

1952

Legal Domicile

Principal Officer

CLAIRE CUNNINGHAM

Phone

9293832392

Tax Period

2025-03-01 to 2026-02-28

FERMATA CLUB, founded in 1952, is a small nonprofit that reported $259K in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $42K, a strong 16% operating margin.

Mission

PROVIDE SWIMMING AND TENNIS FOR 150 PLUS MEMBER FAMILIES RED CROSS CERTIFIED SWIM LESSONS, USTA SACNTIONED TENNIS PROGRAMS, TENNIS LEAGUES AND LESSONS, SOCIAL FUNCTIONS FOR MEMBERS, SWIM TEAM AND FACILITIES FOR SWIM PRACTICE/MEETS FOR MEMBERS, AND PRESERVATION OF AN HISTORIC PROPERTY.

Program Service Accomplishments

Program 1

Expenses: $208,007 Revenue: $258,939

MEMBER / PUBLIC SERVICES, POOL AND SWIMMING, EVENTS, CAMPS, AEROBIC, TENNIS FOR 150 MEMBER FAMILIES. COMPETITIVE SWIM TEAM FOR MEMBER FAMILIES AND VENUE FOR LOCAL HIGH SCHOOL AND REGIONAL SWIM TEAMS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $171,002

Program Service Revenue $68,389

Investment Income $4,769

Other Revenue $14,779

TOTAL REVENUE $258,939

Expense Breakdown

Grants Paid $0

Salaries & Benefits $36,311

Fundraising Expenses $0

Program Expenses $208,007

Other Expenses $180,497

TOTAL EXPENSES $216,808

Year-over-Year Comparison

	2025	2024	Change
Revenue	$258,939	$209,366	+0.2%
Expenses	$216,808	$200,368	+0.1%
Net Income	$42,131	$8,998	+3.7%

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

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
ROBERT ABSHIRE	SECRETARY	005.00	Officer Director	$0	$0	$0
PAGIE RABON	BOARD MEMBER	001.00	Director	$0	$0	$0
CLAIRE CUNNINGHAM	CHAIR	005.00	Officer Director	$0	$0	$0
MONIQUE RABIN	BOARD MEMBER	001.00	Director	$0	$0	$0
ELIZABETH SCHAPPELL	BOARD MEMBER	001.00	Director	$0	$0	$0
DAVE LEVIN	VICE CHAIR	005.00	Officer Director	$0	$0	$0
JASON MCALHANEY	BOARD MEMBER	001.00	Director	$0	$0	$0
JOHN FERGUSON	BOARD MEMBER	001.00	Director	$0	$0	$0
WENJIN SHI	TREASURER	005.00	Officer 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
2026	$258,939	$216,808	$1,422,069	$42,131
2025	$209,366	$200,368	$1,393,956	$8,998
2024	$312,549	$175,779	$1,246,424	$136,770
2023	$167,845	$173,534	$1,154,781	$-5,689
2022	$192,309	$144,513	$1,174,512	$47,796
2021	$149,252	$124,054	$1,168,743	$25,198
2020	$161,215	$135,453	$1,183,468	$25,762
2019	$183,861	$182,772	$1,196,235	$1,089