GFWC NAPLES WOMAN'S CLUB INC (EIN 590907298) - 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

1932

Legal Domicile

Principal Officer

LISA MASH

Phone

2392626331

Tax Period

2022-07-01 to 2023-06-30

GFWC NAPLES WOMAN'S CLUB INC, founded in 1932, is a small nonprofit in the Community Improvement sector that reported $394K in total revenue in fiscal year 2022. Revenue fell 46% from the prior year — a significant decline worth monitoring. Expenses of $723K exceeded revenue, resulting in a 84% operating deficit.

Mission

TO ENHANCE THE COMMUNITY THROUGH PHILANTHROPIC ACTIVITIES AND VOLUNTEER SERVICES

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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 (2022)

Revenue Breakdown

Contributions & Grants $199,198

Program Service Revenue $0

Investment Income $-10,723

Other Revenue $205,385

TOTAL REVENUE $393,860

Expense Breakdown

Grants Paid $424,056

Salaries & Benefits $37,146

Fundraising Expenses $0

Program Expenses $589,842

Other Expenses $261,710

TOTAL EXPENSES $722,912

Year-over-Year Comparison

	2022	2021	Change
Revenue	$393,860	$726,508	-0.5%
Expenses	$722,912	$626,501	+0.2%
Net Income	$-329,052	$100,007	-4.3%

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

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
KATHLEEN ESTREM	2ND VP	10.00	Officer	$0	$0	$0
SUZANNE KING	PRESIDENT	15.00	Officer	$0	$0	$0
LINDA MARTIN	3RD VP	10.00	Officer	$0	$0	$0
LISA MASH	TREASURER	20.00	Officer	$0	$0	$0
DIANE MCMECKIN	SECRETARY	10.00	Officer	$0	$0	$0
STEPHANIE PAVLIK	VP ADMINISTR	15.00	Officer	$0	$0	$0
MARGRIT PORTARIA	FORMER TREAS	20.00	Officer	$0	$0	$0
JEAN SHERIDAN	SECRETARY	10.00	Officer	$0	$0	$0
PATRICIA TAYLOR	FORMER PRESI	15.00	Officer	$0	$0	$0
DIANA WALLENSTEIN	3RD VP	10.00	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$393,860	$722,912	$2,955,910	$-329,052
2022	$726,508	$626,501	$3,060,056	$100,007
2021	$554,923	$520,196	$3,376,269	$34,727
2020	$1,087,706	$432,459	$3,009,038	$655,247
2019	$452,211	$382,855	$2,418,061	$69,356

GFWC NAPLES WOMAN'S CLUB INC