Bear Creek Swim & Tennis Club (EIN 840484420) - 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

1962

Legal Domicile

Principal Officer

John Wilson

Tax Period

2023-10-01 to 2024-09-30

Bear Creek Swim & Tennis Club, founded in 1962, is a small nonprofit that reported $458K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $416K left a modest 9% surplus.

Mission

The organization provides swimming and tennis instruction and team sports activities related to swimming and tennis. The organization also provides swimming and tennis recreational activities for members.

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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 $0

Program Service Revenue $424,648

Investment Income $33,429

Other Revenue $0

TOTAL REVENUE $458,077

Expense Breakdown

Grants Paid $0

Salaries & Benefits $112,033

Fundraising Expenses $0

Program Expenses $42,361

Other Expenses $303,931

TOTAL EXPENSES $415,964

Year-over-Year Comparison

	2023	2022	Change
Revenue	$458,077	$419,227	+0.1%
Expenses	$415,964	$294,889	+0.4%
Net Income	$42,113	$124,338	-0.7%

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

N/A

Employees

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
John Wilson	President	10.00	Officer Director	$0	$0	$0
Paul Daghlian	Member	10.00	Officer Director	$0	$0	$0
Matthew Peetz	Treasurer	5.00	Officer Director	$0	$0	$0
Michelle Hannigan	Membership	2.00	Officer Director	$0	$0	$0
Scott Eckels	Vice President	2.00	Officer Director	$0	$0	$0
Kristina Bybee	Secretary	1.00	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
2025	No data	No data	No data	No data
2024	$458,077	$415,964	$1,166,249	$42,113
2023	$419,227	$294,889	$1,125,388	$124,338
2022	$332,986	$257,162	$1,001,872	$75,824
2021	$312,580	$229,848	$935,496	$82,732
2020	$314,115	$231,877	$881,802	$82,238
2019	$343,426	$261,219	$791,762	$82,207
2018	$237,033	$241,726	$720,311	$-4,693

Bear Creek Swim & Tennis Club