PENSACOLA SKI AND TRAVEL CLUB (EIN 591911535) - 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

Legal Domicile

Principal Officer

PAUL BELT

Phone

8504180104

Tax Period

2025-01-01 to 2025-12-31

PENSACOLA SKI AND TRAVEL CLUB is a small nonprofit that reported $753K in total revenue in fiscal year 2025.

Mission

THE PENSACOLA SKI AND TRAVEL CLUB ORGANIZES SKI AND TRAVEL TRIPS FOR THE BENEFIT OF ITS MEMBERS

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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 $0

Program Service Revenue $752,431

Investment Income $537

Other Revenue $0

TOTAL REVENUE $752,968

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $730,808

Other Expenses $740,906

TOTAL EXPENSES $740,906

Year-over-Year Comparison

	2025	2024	Change
Revenue	$752,968	$764,097	0.0%
Expenses	$740,906	$711,259	+0.0%
Net Income	$12,062	$52,838	-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

Independent Members

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
SUSAN NAILE	PRESIDENT	3.00	Officer	$0	$0	$0
LYNN GREENE	SECRETARY	3.00	Officer	$0	$0	$0
JAY ARD	VICE PRESIDENT	3.00	Officer	$0	$0	$0
PAUL BELT	TREASURER	3.00	Officer	$0	$0	$0
SUSAN HERRINGTON	VP TRIPS	3.00	Officer	$0	$0	$0
FITZ MILLER	VICE TREASURER	3.00	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	$752,968	$740,906	$202,442	$12,062
2024	$764,097	$711,259	$190,380	$52,838
2023	$585,792	$721,702	$137,541	$-135,910
2022	$648,713	$646,189	$273,451	$2,524
2021	$473,282	$446,338	$270,927	$26,944
2020	$432,828	$548,844	$243,982	$-116,016
2019	$601,023	$419,205	$406,730	$181,818

PENSACOLA SKI AND TRAVEL CLUB