AMERICAN CONTRACT BRIDGE LEAGUE OF SANTA CRUZ COUNTY UNIT 550 (EIN 731635636) - 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

2002

Legal Domicile

Phone

8314651102

Tax Period

2021-01-01 to 2021-12-31

AMERICAN CONTRACT BRIDGE LEAGUE OF SANTA CRUZ COUNTY UNIT 550, founded in 2002, is a micro nonprofit in the Recreation & Sports sector that reported $47K in total revenue in fiscal year 2021. Revenue fell 40% from the prior year — a significant decline worth monitoring. Expenses of $65K exceeded revenue, resulting in a 38% operating deficit.

Mission

The purpose is for social & community welfare in the furtherance and the fostering of amateur bridge competition.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $35,845

Investment Income $10,963

Other Revenue $-38

TOTAL REVENUE $46,770

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $58,179

Other Expenses $64,642

TOTAL EXPENSES $64,642

Year-over-Year Comparison

	2021	2020	Change
Revenue	$46,770	$77,973	-0.4%
Expenses	$64,642	$76,751	-0.2%
Net Income	$-17,872	$1,222	-15.6%

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

N/A

Employees

N/A

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
KEN LLACERA	Director	4.00	Director	$0	$0	$0
JONNI FAIRCREST	Director	4.00	Director	$0	$0	$0
ROBERT JOHNSON	Secretary	4.00	Director	$0	$0	$0
STEVE SMITH	Director	4.00	Director	$0	$0	$0
DAVID HARKEN	Treasurer	4.00	Director	$0	$0	$0
JOHN WESOLOWSKI	Director	4.00	Director	$0	$0	$0
TOM BURKE	Vice President	4.00	Director	$0	$0	$0
CAROL AVENMARG	President	4.00	Director	$0	$0	$0
KEN GAMBLE	Director	4.00	Director	$0	$0	$0
SYDNEY JANE REUBEN	Director	4.00	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
2021	$46,770	$64,642	$602,184	$-17,872
2020	$77,973	$76,751	$580,784	$1,222
2019	$83,070	$82,575	$528,811	$495

AMERICAN CONTRACT BRIDGE LEAGUE OF SANTA CRUZ COUNTY UNIT 550