Wharf to Wharf Race Inc (EIN 770061106) - 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

1980

Legal Domicile

Principal Officer

Mark McConnell

Phone

8318188541

Tax Period

2025-01-01 to 2025-12-31

Wharf to Wharf Race Inc, founded in 1980, is a small nonprofit that reported $862K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $277K, a strong 32% operating margin.

Mission

CONDUCTING TWO ANNUAL FOOTRACES TO BENEFIT TRACK AND FIELD ACTIVITIES AND PROVIDE FUNDS TO ENHANCE THE CAPITOLA CA WHARF

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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 $130,611

Program Service Revenue $0

Investment Income $172,796

Other Revenue $558,236

TOTAL REVENUE $861,643

Expense Breakdown

Grants Paid $280,466

Salaries & Benefits $116,888

Fundraising Expenses $0

Program Expenses $230,369

Other Expenses $187,007

TOTAL EXPENSES $584,361

Year-over-Year Comparison

	2025	2024	Change
Revenue	$861,643	$759,108	+0.1%
Expenses	$584,361	$763,120	-0.2%
Net Income	$277,282	$-4,012	-70.1%

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

700

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
JOHN S MCCONVILLE	Executive Director	35.00	Highest	$87,600	$0	$87,600
DAN GRUBER	Director	1.00	Director	$0	$0	$0
MARY WRIGHT	Director	2.00	Director	$0	$0	$0
CARRIE KINGSLEY	Director	1.00	Director	$0	$0	$0
DAVE MURPHY	Board President	2.00	Officer	$0	$0	$0
BRENDAN KELLY	Board VP	2.00	Officer	$0	$0	$0
ROBB MAYEDA	Board Secretary	2.00	Officer	$0	$0	$0
MARK MCCONNELL	Board Treasurer	3.00	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	$861,643	$584,361	$1,725,096	$277,282
2024	$759,108	$763,120	$1,441,905	$-4,012
2023	$1,003,026	$483,442	$1,461,116	$519,584
2022	$410,718	$441,797	$935,012	$-31,079
2021	$407,609	$361,183	$966,091	$46,426
2020	$211,531	$282,794	$919,665	$-71,263

Wharf to Wharf Race Inc