San Joaquin River Club Inc

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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

1939

Legal Domicile

Principal Officer

Gary Boswell

Phone

2098351969

Tax Period

2024-07-01 to 2025-06-30

San Joaquin River Club Inc, founded in 1939, is a small nonprofit that reported $693K in total revenue in fiscal year 2024. Expenses of $784K exceeded revenue, resulting in a 13% operating deficit.

Mission

To provide community activities and to manage and maintain the property of the Club.

Program Service Accomplishments

Program 1

Expenses: $762,896

The organization maintains the property, common areas, club buildings, roads and water system of the Club.

Program 2

Expenses: $21,533

The Organization organizes and provides social activities for the 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $656,387

Investment Income $2,047

Other Revenue $34,826

TOTAL REVENUE $693,260

Expense Breakdown

Grants Paid $0

Salaries & Benefits $213,420

Fundraising Expenses $0

Program Expenses $784,429

Other Expenses $571,009

TOTAL EXPENSES $784,429

Year-over-Year Comparison

	2024	2023	Change
Revenue	$693,260	$685,556	+0.0%
Expenses	$784,429	$689,219	+0.1%
Net Income	$-91,169	$-3,663	+23.9%

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

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
Dan DeViney	Vice President	2.00	Officer Director	$0	$0	$0
Margaret Howe	Secretary	2.00	Officer Director	$0	$0	$0
Dale Smith	Director	1.00	Director	$0	$0	$0
Jeff Chaney	Treasurer	3.00	Officer Director	$0	$0	$0
Tony Lillak	Director	1.00	Director	$0	$0	$0
Gary Boswell	President	4.00	Officer Director	$0	$0	$0
Stanley Price	Director	1.00	Director	$0	$0	$0
Susie Gardner	Director	1.00	Director	$0	$0	$0
Christy Williams	Director	1.00	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	$693,260	$784,429	$776,119	$-91,169
2024	$685,556	$689,219	$872,586	$-3,663
2023	$687,669	$606,877	$815,679	$80,792
2022	$687,385	$571,223	$715,850	$116,162
2021	$513,442	$440,694	$593,643	$72,748
2020	$459,446	$574,487	$521,363	$-115,041
2019	$525,933	$412,806	$653,742	$113,127