RIO SALADO ROWING CLUB INC (EIN 860809620) - 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

2003

Legal Domicile

Phone

6029092991

Tax Period

2025-01-01 to 2025-12-31

RIO SALADO ROWING CLUB INC, founded in 2003, is a small nonprofit in the Recreation & Sports sector that reported $186K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year. Expenses of $165K left a modest 11% surplus.

Mission

WE EMPOWER ADULT ROWERS TO DISCOVER THE JOYS OF ROWING AND ADVANCE THEIR SKILLS IN A WELCOMING TEAM ENVIRONMENT.

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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 $60,963

Program Service Revenue $124,313

Investment Income $116

Other Revenue $165

TOTAL REVENUE $185,557

Expense Breakdown

Grants Paid $0

Salaries & Benefits $75,335

Fundraising Expenses $0

Program Expenses $164,145

Other Expenses $49,871

TOTAL EXPENSES $164,622

Year-over-Year Comparison

	2025	2024	Change
Revenue	$185,557	$199,088	-0.1%
Expenses	$164,622	$169,636	0.0%
Net Income	$20,935	$29,452	-0.3%

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
MICHELLE WILKIE	DIRECTOR	1.00	Director	$0	$0	$0
CLAIRE ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH SILKAS	DIRECTOR	1.00	Director	$0	$0	$0
KRISTINE WILCOX	DIRECTOR	1.00	Director	$0	$0	$0
ELLEN POPE	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET STEMMLER	TREASURER	5.00	Officer	$0	$0	$0
BRIAN MCDERMOTT	VICE PRESIDENT	1.00	Officer	$0	$0	$0
REGINALD ALVEY	PRESIDENT	5.00	Officer	$0	$0	$0
BRANDON WILLEY	SECRETARY	1.00	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	$185,557	$164,622	$284,887	$20,935
2024	$199,088	$169,636	$262,372	$29,452
2023	$189,884	$173,075	$232,632	$16,809
2022	$154,381	$220,373	$214,710	$-65,992
2021	$126,395	$125,230	$287,299	$1,165
2020	$202,185	$99,412	$278,152	$102,773

RIO SALADO ROWING CLUB INC