RIDGEWOOD COUNTRY CLUB

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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

1946

Legal Domicile

Principal Officer

JIM THERRELL

Phone

2547720160

Tax Period

2023-01-01 to 2023-12-31

RIDGEWOOD COUNTRY CLUB, founded in 1946, is a mid-sized nonprofit that reported $11.2M in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.0M, a strong 18% operating margin.

Mission

THE PURPOSE FOR WHICH THE CLUB IS FORMED IS NOT TO MAKE PROFIT, BUT TO OWN, ESTABLISH AND MAINTAIN A SOCIAL ORGANIZATION WITH CLUBHOUSE, GOLF COURSE, SWIMMING POOL, TENNIS COURTS, MARINA, AND SUCH OTHER RECREATIONAL FACILITIES AS MAY FROM TIME TO TIME BE AUTHORIZED BY THE DIRECTORS OF THE CLUB.

Program Service Accomplishments

Program 1

Expenses: $3,788,925

CLUBHOUSE ACTIVITIES: APPROXIMATELY 975 MEMBERS USE THE CLUBHOUSE FOR PARTIES AND CIVIC/PROFESSIONAL FUNCTIONS THROUGHOUT THE YEAR. APPROXIMATELY 14,000 USAGES OCCUR PER YEAR

Program 2

Expenses: $2,560,385

GOLF COURSE: APPROXIMATELY 625 MEMBERS USE THE GOLF COURSE THROUGHOUT THE YEAR WITH AN ESTIMATED 1,500 ROUNDS OF GOLF PLAYED

Program 3

Expenses: $563,023

TENNIS: ALL MEMBERS HAVE ACCESS TO THE TENNIS COURTS THROUGHOUT THE YEAR WITH AN ESTIMATED 20,000 SETS PLAYED

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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 (2023)

Revenue Breakdown

Contributions & Grants $9,373,319

Program Service Revenue $602,167

Investment Income $-265,747

Other Revenue $1,450,493

TOTAL REVENUE $11,160,232

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,384,503

Fundraising Expenses $0

Program Expenses $7,901,212

Other Expenses $3,804,149

TOTAL EXPENSES $9,188,652

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,160,232	$9,677,160	+0.2%
Expenses	$9,188,652	$8,946,830	+0.0%
Net Income	$1,971,580	$730,330	+1.7%

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

210

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

$509,395

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIM BOWEN JANUARY - MARCH	PRESIDENT	0.50	Officer Director	$0	$0	$0
ANDY MCSWAIN APRIL - DECEMBER	PRESIDENT	0.50	Officer Director	$0	$0	$0
ANDY MCSWAIN JANUARY - MARCH	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
JIM THERRELL APRIL - DECEMBER	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
MATT MORRISON APRIL - DECEMBER	SECRETARY/TREASURER	0.50	Officer Director	$0	$0	$0
JIM THERRELL JANUARY - MARCH	SECRETARY/TREASURER	0.50	Officer Director	$0	$0	$0
PAM KREUZBURG JANUARY - MARCH	PAST PRESIDENT	0.50	Officer Director	$0	$0	$0
JIM BOWEN APRIL - DECEMBER	PAST PRESIDENT	0.50	Officer Director	$0	$0	$0
MARK MCLEAN APRIL - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
BART ROMIG JANUARY - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
CARY DUPUY APRIL - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
AIMEE WOOD APRIL - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
JOHN STEPHENS APRIL - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
CLINT WEAVER JANUARY - MARCH	DIRECTOR	0.50	Director	$0	$0	$0
JULIE CRUNK JANUARY - MARCH	DIRECTOR	0.50	Director	$0	$0	$0
KEM BARRETT JANUARY - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
TAYLOR BLEDSOE JANUARY - MARCH	DIRECTOR	0.50	Director	$0	$0	$0
DR MARTIN STARR APRIL - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT DEATON JANUARY - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
GARY HORNUNG JANUARY - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
JERRY MILLER JANUARY - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
MATT MORRISON JANUARY - MARCH	DIRECTOR	0.50	Director	$0	$0	$0
EVAN O'DONNELL JANUARY - MARCH	DIRECTOR	0.50	Director	$0	$0	$0
KEVIN POYNTER JANUARY - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
WELDON RATLIFF JANUARY - DECEMBER	DIRECTOR	0.50	Director	$0	$0	$0
KATIE SNAPP JANUARY - MARCH	JUNIOR REPRESENTATIVE	0.50	Director	$0	$0	$0
MADISON GOSS APRIL - DECEMBER	JUNIOR REPRESENTATIVE	0.50	Director	$0	$0	$0
WILLIAM HORTON	GENERAL MANAGER	50.00	Officer	$302,544	$21,375	$323,919
MICHAEL COWAN	CONTROLLER	45.00	Officer	$162,872	$22,604	$185,476
JAMES CUNNINGHAM	HEAD GOLF PRO	50.00	Highest	$166,411	$23,351	$189,762
JON SNIDER	GOLF COURSE SUPERINTENDENT	45.00	Highest	$187,180	$8,113	$195,293
JULIEN CURATELLA	TENNIS PRO	45.00	Highest	$155,052	$10,444	$165,496
TARA TURNER	ASST MANAGER - SALES	45.00	Highest	$158,927	$15,577	$174,504
DAVID HILL	FITNESS DIRECTOR	45.00	Highest	$126,374	$15,466	$141,840

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	No data	No data	No data	No data
2023	$11,160,232	$9,188,652	$16,849,846	$1,971,580
2022	$9,677,160	$8,946,830	$11,556,750	$730,330
2021	$9,155,703	$9,027,113	$10,116,085	$128,590
2020	$8,202,847	$8,201,372	$9,658,829	$1,475
2019	$8,662,652	$8,629,772	$10,344,258	$32,880
2018	$8,303,365	$8,255,549	$11,158,900	$47,816