ST CROIX SWIMMING ASSOCIATION (EIN 670260387) - 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

1972

Legal Domicile

Principal Officer

Adara McCormick

Phone

3407197946

Tax Period

2024-09-01 to 2025-08-31

ST CROIX SWIMMING ASSOCIATION, founded in 1972, is a small nonprofit that reported $286K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

All AQUATIC PROGRAMS ASSOCIATED WITH A SWIM TEAM INCLUDING, BUT NOT LIMITED TO, LEARN TO SWIM, CPR, LIFEGUARDING CLASSES, WATER SAFETY, NUTRITION, FITNESS AND SWIM EVENTS

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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 $110,097

Program Service Revenue $170,901

Investment Income $4,754

Other Revenue $0

TOTAL REVENUE $285,752

Expense Breakdown

Grants Paid $0

Salaries & Benefits $171,058

Fundraising Expenses $0

Program Expenses $312,836

Other Expenses $141,778

TOTAL EXPENSES $312,836

Year-over-Year Comparison

	2024	2023	Change
Revenue	$285,752	$259,759	+0.1%
Expenses	$312,836	$295,475	+0.1%
Net Income	$-27,084	$-35,716	-0.2%

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
YONKA MAYNARD	PRESIDENT	7.00	Officer	$0	$0	$0
ANDREA CRIKELAIR	VICE PRESIDENT	7.00	Officer	$0	$0	$0
BETH JOSEPH	SECRETARY	7.00	Officer	$0	$0	$0
ADARA McCORMICK	TREASURER	7.00	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	$285,752	$312,836	$218,822	$-27,084
2024	$259,759	$295,475	$297,557	$-35,716
2023	$298,058	$300,994	$309,462	$-2,936
2022	$234,549	$255,229	$285,074	$-20,680
2021	$142,372	$216,356	$332,870	$-73,984
2020	$211,231	$237,878	$357,249	$-26,647
2019	$303,445	$305,509	$359,858	$-2,064

ST CROIX SWIMMING ASSOCIATION