Saddle & Sirloin Club (EIN 951174180) - 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

1928

Legal Domicile

Phone

3103781248

Tax Period

2025-01-01 to 2025-12-31

Saddle & Sirloin Club, founded in 1928, is a small nonprofit that reported $667K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $639K left a modest 4% surplus.

Mission

Horseback riding club

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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 $658,933

Investment Income $8,222

Other Revenue $0

TOTAL REVENUE $667,155

Expense Breakdown

Grants Paid $0

Salaries & Benefits $83,397

Fundraising Expenses $0

Program Expenses $639,343

Other Expenses $555,946

TOTAL EXPENSES $639,343

Year-over-Year Comparison

	2025	2024	Change
Revenue	$667,155	$584,165	+0.1%
Expenses	$639,343	$542,379	+0.2%
Net Income	$27,812	$41,786	-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

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
Tom McDonald	Director	2.00	Director	$0	$0	$0
Tom Crone	Director	2.00	Director	$0	$0	$0
Michael Ready	Director	2.00	Director	$0	$0	$0
Charles Callanan	Vice President	2.00	Officer	$0	$0	$0
Mark Hathaway	Treasurer	2.00	Officer	$0	$0	$0
Brad Young	President	2.00	Officer	$0	$0	$0
Don Crowell	Secretary	2.00	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	$667,155	$639,343	$653,788	$27,812
2024	$584,165	$542,379	$623,271	$41,786
2023	$592,578	$545,375	$589,349	$47,203
2022	$584,088	$585,538	$559,254	$-1,450
2021	$591,657	$609,720	$538,689	$-18,063
2020	$517,101	$575,908	$566,322	$-58,807
2019	$564,855	$531,454	$617,382	$33,401
2018	$567,627	$544,349	$598,741	$23,278

Saddle & Sirloin Club