WET MOUNTAIN VALLEY SADDLE CLUB (EIN 840683875) - 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

1947

Legal Domicile

Principal Officer

MARY MOWERY

Phone

7197822342

Tax Period

2024-01-01 to 2024-12-31

WET MOUNTAIN VALLEY SADDLE CLUB, founded in 1947, is a small nonprofit in the Youth Development sector that reported $320K in total revenue in fiscal year 2024. Expenses of $353K exceeded revenue, resulting in a 10% operating deficit.

Mission

THE WET MTN VALLEY SADDLE CLUBS MISSION IS TO PRESERVE OUR WESTERN HERITAGE AND CULTURE BY CONTINUING ITS TRADITIONL EVENTS AND LIFESTYLE WHILE SUPPORTING OUR COMMUNITY AND FAMILY VALUES AND INSPIRING AND EDUCATING OUR YOUTH TO CARRY ON THE WESTERN WAY OF LIFE.

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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 (2024)

Revenue Breakdown

Contributions & Grants $144,497

Program Service Revenue $161,914

Investment Income $9

Other Revenue $13,213

TOTAL REVENUE $319,633

Expense Breakdown

Grants Paid $13,532

Salaries & Benefits $0

Fundraising Expenses $2,390

Program Expenses $341,706

Other Expenses $339,509

TOTAL EXPENSES $353,041

Year-over-Year Comparison

	2024	2023	Change
Revenue	$319,633	$319,585	+0.0%
Expenses	$353,041	$292,827	+0.2%
Net Income	$-33,408	$26,758	-2.2%

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
BETSY BANKS	NON VOTING DIRECTOR	1.00	Director	$0	$0	$0
KARALEE ROWLEY	DIRECTOR	1.00	Director	$0	$0	$0
NICOLE KOCH	NON VOTING DIRECTOR	1.00	Director	$0	$0	$0
SYDNEY BENESCH	DIRECTOR	1.00	Director	$0	$0	$0
TOM MOWERY	DIRECTOR	1.00	Director	$0	$0	$0
HALIE RIDDLE	DIRECTOR	1.00	Director	$0	$0	$0
ED SMIT	ALTERNATE	1.00	Director	$0	$0	$0
CLAYTON RIDDLE	ALTERNATE	0.00	Director	$0	$0	$0
ILEEN SQUIRE	SECRETARY	5.00	Officer	$0	$0	$0
JULIE LOTESTO SMITH	VICE PRESIDENT	5.00	Officer	$0	$0	$0
MARY MOWERY	TREASURER	5.00	Officer	$0	$0	$0
SCOTT CAMPER	PRESIDENT	10.00	Officer	$0	$0	$0
SCOTT ROWLEY	DIRECTOR	5.00	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
2024	$319,633	$353,041	$550,245	$-33,408
2023	$319,585	$292,827	$567,919	$26,758
2022	$243,753	$224,124	$285,232	$19,629
2021	$277,842	$247,795	$260,463	$30,047

WET MOUNTAIN VALLEY SADDLE CLUB