Saratoga Swim Club (EIN 941089391) - 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

1946

Legal Domicile

Phone

4084591050

Tax Period

2024-05-01 to 2025-04-30

Saratoga Swim Club, founded in 1946, is a small nonprofit that reported $134K in total revenue in fiscal year 2024. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $149K exceeded revenue, resulting in a 12% operating deficit.

Mission

Private membership family pool club for member families and member guests.

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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 $133,849

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $133,849

Expense Breakdown

Grants Paid $0

Salaries & Benefits $45,822

Fundraising Expenses $0

Program Expenses $0

Other Expenses $103,535

TOTAL EXPENSES $149,357

Year-over-Year Comparison

	2024	2023	Change
Revenue	$133,849	$181,307	-0.3%
Expenses	$149,357	$181,973	-0.2%
Net Income	$-15,508	$-666	+22.3%

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

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
Scott Ciccone	President	2.00	Director	$0	$0	$0
Jim Axline	Facilities Manager	2.00	Director	$0	$0	$0
Erin Gavin	Membership	6.00	Director	$0	$0	$0
Lori Timmons	Lifeguard Manager	8.00	Director	$0	$0	$0
Jon Gray	Treasurer	2.00	Director	$0	$0	$0
Jim Kardach	Pool Manager	10.00	Director	$0	$0	$0
Mac Apodaca	Auditor	2.00	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	$133,849	$149,357	$24,891	$-15,508
2024	$181,307	$181,973	$33,948	$-666

Saratoga Swim Club