Carmel-by-the-Sea Garden Club (EIN 942767735) - 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

1980

Legal Domicile

Principal Officer

Terice Clark

Phone

8312382775

Tax Period

2024-07-01 to 2025-06-30

Carmel-by-the-Sea Garden Club, founded in 1980, is a small nonprofit in the Environment sector that reported $132K in total revenue in fiscal year 2024. Revenue surged 98% from the prior year, signaling strong growth momentum. The organization ran a surplus of $66K, a strong 50% operating margin.

Mission

The work we do for our Civic Projects in and around the city of Carmel. These include the Gardens at the Harrison Memorial Library, Piccadilly Park, City Hall and the North Dunes Restoration project.

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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 $64,212

Program Service Revenue $0

Investment Income $52,827

Other Revenue $14,868

TOTAL REVENUE $131,907

Expense Breakdown

Grants Paid $30,978

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $59,232

Other Expenses $35,159

TOTAL EXPENSES $66,137

Year-over-Year Comparison

	2024	2023	Change
Revenue	$131,907	$66,562	+1.0%
Expenses	$66,137	$62,275	+0.1%
Net Income	$65,770	$4,287	+14.3%

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
Barbara Davidge	President	5.00	Officer Director	$0	$0	$0
Kathy Sparolini	Recording Sec	5.00	Officer Director	$0	$0	$0
Courtney Doust	Corress Sec	5.00	Officer Director	$0	$0	$0
Terice Clark	Treasurer	5.00	Officer Director	$0	$0	$0
Lolly Menzies	Vice President	5.00	Officer Director	$0	$0	$0
Margaret Pelikan	Director	2.00	Director	$0	$0	$0
Diana Fish	Director	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	$131,907	$66,137	$621,601	$65,770
2024	$66,562	$62,275	$578,475	$4,287
2023	$61,529	$51,660	$508,571	$9,869
2021	$50,055	$36,208	$502,355	$13,847

Carmel-by-the-Sea Garden Club