NORTHERN CALIFORNIA RAINBOW DIVERS… - Form 990 Financial Data

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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

1999

Legal Domicile

Principal Officer

Thomas L Todd

Phone

4156769356

Tax Period

2025-01-01 to 2025-12-31

NORTHERN CALIFORNIA RAINBOW DIVERS INC, founded in 1999, is a small nonprofit in the Recreation & Sports sector that reported $231K in total revenue in fiscal year 2025. Revenue surged 43% from the prior year, signaling strong growth momentum.

Mission

Arranging scuba dive travel for members.

Program Service Accomplishments

Program 1

Collected member payments for future dive travel, made payments to dive travel suppliers.

Program 2

Dispersed donations to charitable organizations Lembeh Foundation and Diving for Life Foundation

Program 3

Maintained organization website, email lists, and published periodic electronic newsletters to 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $226,724

Investment Income $1,643

Other Revenue $2,715

TOTAL REVENUE $231,082

Expense Breakdown

Grants Paid $1,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,468

TOTAL EXPENSES $240,723

Year-over-Year Comparison

	2025	2024	Change
Revenue	$231,082	$161,163	+0.4%
Expenses	$240,723	$160,917	+0.5%
Net Income	$-9,641	$246	-40.2%

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

N/A

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
Thomas L Todd	Secretary and Treasurer	10	Officer	$0	$0	$0
Maureen Doris McEvoy	President	10	Officer	$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	$231,082	$240,723	$42,388	$-9,641

NORTHERN CALIFORNIA RAINBOW DIVERS INC