White Rock Club (EIN 946173390) - 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

1966

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

White Rock Club, founded in 1966, is a small nonprofit that reported $217K in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $241K exceeded revenue, resulting in a 11% operating deficit.

Mission

Owner's Association

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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 (2023)

Revenue Breakdown

Contributions & Grants $202,912

Program Service Revenue $0

Investment Income $64

Other Revenue $13,948

TOTAL REVENUE $216,924

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $240,526

TOTAL EXPENSES $240,526

Year-over-Year Comparison

	2023	2022	Change
Revenue	$216,924	$187,247	+0.2%
Expenses	$240,526	$165,491	+0.5%
Net Income	$-23,602	$21,756	-2.1%

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

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	Role	Reportable Comp	Other Comp	Total
Ann Quamen	Treasurer	Officer Director	$0	$0	$0
Sandy Hillman	Vice President	Officer Director	$0	$0	$0
Russ Fletcher	Director	Director	$0	$0	$0
Kimberly Allen	Director	Officer Director	$0	$0	$0
Margo Fusilier	Secretary	Director	$0	$0	$0
Calvin Robert Carswell	President	Officer Director	$0	$0	$0
Larry Walker	Director	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$216,924	$240,526	$599,233	$-23,602
2022	$187,247	$165,491	$622,835	$21,756
2021	$156,962	$90,308	$601,079	$66,654
2020	$142,328	$153,917	$534,425	$-11,589
2019	$125,467	$148,548	$546,014	$-23,081
2019	$125,467	$148,548	$546,014	$-23,081
2018	$109,852	$73,775	$567,345	$36,077

White Rock Club