PEBBLE CREEK WINE 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

Legal Domicile

Principal Officer

KATHY WORMA

Phone

6235351664

Tax Period

2025-05-01 to 2026-04-30

PEBBLE CREEK WINE CLUB is a small nonprofit in the Recreation & Sports sector that reported $221K in total revenue in fiscal year 2025. Expenses of $200K left a modest 10% surplus.

Mission

HOLDING OF A MONTHLY MEETING TO PROMOTE THE KNOWLEDGE, UNDERSTANDING AND ENJOYMENT OF WINE WITH INFORMATION PRESENTED FROM WINERY PERSONNEL, WINE MAKERS AND WINE DISTRIBUTORS.

Program Service Accomplishments

Program 1

INFORM AND EDUCATE MEMBERS ABOUT WINE

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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 $0

Program Service Revenue $208,558

Investment Income $0

Other Revenue $12,684

TOTAL REVENUE $221,242

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $199,858

TOTAL EXPENSES $199,858

Year-over-Year Comparison

	2025	2024	Change
Revenue	$221,242	N/A	N/A
Expenses	$199,858	N/A	N/A
Net Income	$21,384	N/A	N/A

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHY WORMA	PRESIDENT	N/A	Officer	$0	$0	$0
ARNOLD HICKEY	VICE-PRESIDE	N/A	Officer	$0	$0	$0
DONNA MOFFATT	SECRETARY	N/A	Officer	$0	$0	$0
BETTY BAILEY	TREASURER	N/A	Officer	$0	$0	$0
DEBBIE GEORGE	OFFICER-AT-L	N/A	Officer Director	$0	$0	$0
ROBIN ANDERSON	RESERVATIONI	N/A	Officer 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
2026	$221,242	$199,858	$56,452	$21,384
2020	$215,203	$218,460	$10,721	$-3,257
2019	$221,519	$214,212	$13,978	$7,307
2018	$203,272	$207,155	$6,671	$-3,883