AMERICAN CONTRACT BRIDGE LEAGUE UNIT 174 (EIN 746046412) - 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

1950

Legal Domicile

Principal Officer

Elizabeth Starzec

Phone

9546476658

Tax Period

2025-01-01 to 2025-12-31

AMERICAN CONTRACT BRIDGE LEAGUE UNIT 174, founded in 1950, is a small nonprofit that reported $203K in total revenue in fiscal year 2025.

Mission

Teach and promote the playing of duplicate bridge and the organizing of tournaments

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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 $12,994

Program Service Revenue $186,969

Investment Income $3,387

Other Revenue $0

TOTAL REVENUE $203,350

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $198,484

Other Expenses $211,829

TOTAL EXPENSES $211,829

Year-over-Year Comparison

	2025	2024	Change
Revenue	$203,350	$203,968	0.0%
Expenses	$211,829	$209,853	+0.0%
Net Income	$-8,479	$-5,885	+0.4%

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

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
Elizabeth Starzec	President	15	Director	$0	$0	$0
Brigitte Sandifer	VP	10	Director	$0	$0	$0
Karen Nussbaum	Director	5	Director	$0	$0	$0
Leslie Kellet	Director	5	Director	$0	$0	$0
Judi Whaling	Director	5	Director	$0	$0	$0
Hallie Eads	Director	5	Director	$0	$0	$0
Gary Kerr	Director	5	Director	$0	$0	$0
Cindy Schaefer	Director	5	Director	$0	$0	$0
Fred Gregory	Director	5	Director	$0	$0	$0
Paddy Fiorino	Secretary	10	Director	$0	$0	$0
Steven Gordon	Treasurer	10	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
2025	$203,350	$211,829	$142,491	$-8,479
2024	$203,968	$209,853	$142,685	$-5,885
2023	$203,513	$214,653	$140,249	$-11,140
2020	$193,464	$152,486	$217,671	$40,978
2019	$301,176	$264,618	$179,706	$36,558
2018	$333,819	$282,554	$142,496	$51,265

AMERICAN CONTRACT BRIDGE LEAGUE UNIT 174