ST THOMAS SWIMMING ASSOCIATION INC (EIN 660426307) - 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

1986

Legal Domicile

Principal Officer

KELLY USZENSKI

Phone

3407797872

Tax Period

2024-01-01 to 2024-12-31

ST THOMAS SWIMMING ASSOCIATION INC, founded in 1986, is a small nonprofit that reported $388K in total revenue in fiscal year 2024. Revenue surged 50% from the prior year, signaling strong growth momentum. The organization ran a surplus of $65K, a strong 17% operating margin.

Mission

THE PRIMARY EXEMPT PURPOSE OF THE ST. THOMAS SWIMMING ASSOCIATION IS TO PROVIDE AND PROMOTE COMPETITIVE AND RECREATIONAL SWIMMING AND WATER SAFETY PROGRAMS TO THE ST. THOMAS AND ST. JOHN COMMUNITIES.

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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 $307,925

Program Service Revenue $79,299

Investment Income $392

Other Revenue $0

TOTAL REVENUE $387,616

Expense Breakdown

Grants Paid $0

Salaries & Benefits $125,232

Fundraising Expenses $0

Program Expenses $284,551

Other Expenses $197,319

TOTAL EXPENSES $322,551

Year-over-Year Comparison

	2024	2023	Change
Revenue	$387,616	$258,049	+0.5%
Expenses	$322,551	$266,291	+0.2%
Net Income	$65,065	$-8,242	-8.9%

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
KELLY USZENSKI	President	5.00	Officer Director	$0	$0	$0
HEATHER SCHOLES	Vice President	5.00	Officer Director	$0	$0	$0
JENNIFER FIRESTONE	Treasurer	5.00	Officer Director	$0	$0	$0
SARAH AUCHINCLOSS	Secretary	5.00	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
2024	$387,616	$322,551	$702,868	$65,065
2023	$258,049	$266,291	$639,407	$-8,242
2022	$243,992	$322,134	$647,835	$-78,142
2021	$349,037	$296,993	$724,187	$52,044
2020	$231,467	$246,477	$726,733	$-15,010

ST THOMAS SWIMMING ASSOCIATION INC