MORAGA RANCH SWIM CLUB (EIN 941505946) - 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

1963

Legal Domicile

Principal Officer

ANA WOLBERT

Phone

4152542562

Tax Period

2024-11-01 to 2025-10-31

MORAGA RANCH SWIM CLUB, founded in 1963, is a small nonprofit in the Recreation & Sports sector that reported $559K in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year. The organization ran a surplus of $144K, a strong 26% operating margin.

Mission

THE CLUB IS A RECREATIONAL SWIMMING FACILITY.

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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 $556,936

Investment Income $1,616

Other Revenue $557

TOTAL REVENUE $559,109

Expense Breakdown

Grants Paid $0

Salaries & Benefits $206,721

Fundraising Expenses $0

Program Expenses $415,601

Other Expenses $208,880

TOTAL EXPENSES $415,601

Year-over-Year Comparison

	2024	2023	Change
Revenue	$559,109	$634,126	-0.1%
Expenses	$415,601	$417,685	0.0%
Net Income	$143,508	$216,441	-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

Volunteers

150

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
RYAN WAGNER	PRESIDENT	20	Officer Director	$0	$0	$0
JOE PEARSE	VP AT LARGE	20	Officer Director	$0	$0	$0
ANA WOLBERT	TREASURER	20	Officer Director	$0	$0	$0
KATHLEEN LIU	SECRETARY	20	Officer Director	$0	$0	$0
VIOLA BUENO	DIRECTOR - FACILITIES	20	Officer Director	$0	$0	$0
LINDSAY MAYER	DIRECTOR - LIFEGUARDS	20	Officer Director	$0	$0	$0
GINA TABER	DIRECTOR - MEMBERSHIP	20	Officer 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	$559,109	$415,601	$598,223	$143,508
2024	$634,126	$417,685	$510,452	$216,441
2023	$561,337	$642,398	$327,301	$-81,061
2022	$353,318	$383,865	$491,723	$-30,547
2021	$325,927	$328,620	$562,390	$-2,693
2019	$246,645	$275,227	$485,923	$-28,582

MORAGA RANCH SWIM CLUB