THE CARMEL WOMAN'S CLUB

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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

1925

Legal Domicile

Principal Officer

CHRISTINA DEMARIA

Phone

8316262644

Tax Period

2024-06-01 to 2025-05-31

THE CARMEL WOMAN'S CLUB, founded in 1925, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $209K in total revenue in fiscal year 2024. Expenses of $193K left a modest 8% surplus.

Mission

THE OBJECTIVES OF THIS CLUB ARE THE MUTUAL HELP, INTELLECTUAL ADVANCEMENT, SOCIAL ENJOYMENT AND UNITED EFFORT FOR THE WELFARE OF THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $174,636

THE WELFARE OF THE COMMUNITY

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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 $87,485

Program Service Revenue $2,102

Investment Income $875

Other Revenue $118,404

TOTAL REVENUE $208,866

Expense Breakdown

Grants Paid $110,032

Salaries & Benefits $0

Fundraising Expenses $10,649

Program Expenses $174,636

Other Expenses $83,048

TOTAL EXPENSES $193,080

Year-over-Year Comparison

	2024	2023	Change
Revenue	$208,866	$200,731	+0.0%
Expenses	$193,080	$165,975	+0.2%
Net Income	$15,786	$34,756	-0.5%

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

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
TERESA BASHAM	VICE PRESIDE	2.00	Director	$0	$0	$0
CHRISTINA DEMARIA	TREASURER	2.00	Director	$0	$0	$0
LOREEN KINNEY	SECRETARY	2.00	Director	$0	$0	$0
HEIDI MOZINGO	PRESIDENT	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	$208,866	$193,080	$424,519	$15,786
2024	$200,731	$165,975	$367,558	$34,756
2023	$142,110	$105,136	$319,485	$36,974
2022	$65,429	$61,857	$296,098	$3,572
2021	$27,526	$48,564	$558,056	$-21,038
2020	$66,066	$64,869	$484,998	$1,197
2019	$76,008	$70,933	$521,139	$5,075