Upper Montclair Country Club
Upper Montclair Country Club: Financials Show Consistent Growth, High Liabilities
EIN: 221349810 · Clifton, NJ · Updated: 2026-04-04
| Metric | Value |
|---|---|
| Total Revenue | $18.4M |
| Total Expenses | $14.8M |
| Net Assets | $12.7M |
| Transparency Score | 25/100 |
Is Upper Montclair Country Club Legit?
Significant Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Upper Montclair Country Club
Upper Montclair Country Club (EIN: 221349810) is a nonprofit organization based in Clifton, NJ. The organization reported total revenue of $18.4M and total assets of $29.6M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Upper Montclair Country Club's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Upper Montclair Country Club is a large nonprofit that has been operating for 84 years, with 14 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 5.2%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $15.7M |
| Total Expenses | $14.8M |
| Surplus / Deficit | +$927K |
| Total Assets | $29.1M |
| Total Liabilities | $16.4M |
| Net Assets | $12.7M |
| Operating Margin | 5.9% |
| Debt-to-Asset Ratio | 56.5% |
| Months of Reserves | 23.6 months |
Financial Health Grade: A
In 2023, Upper Montclair Country Club reported a surplus of $927K with revenue exceeding expenses, holds 23.6 months of operating reserves (strong position), has a debt-to-asset ratio of 56.5% (high leverage).
Financial Trends
Over 14 years of filings (2011–2023), Upper Montclair Country Club's revenue has grown at a compound annual growth rate (CAGR) of 5.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +9.3% | +7.8% | +3.6% |
| 2022 | +8.2% | +7.1% | +2.0% |
| 2021 | +3.8% | +12.5% | +1.9% |
| 2020 | +14.3% | +2.5% | -1.2% |
| 2019 | +5.0% | +6.1% | +42.3% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1942 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Upper Montclair Country Club with a Mission Score of 25 out of 100 (Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 0%
- programs: 0%
- fundraising: 0%
According to IRS 990 filings, Upper Montclair Country Club allocates its expenses as follows: admin: 0%, programs: 0%, fundraising: 0%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $927K, with revenue exceeding expenses.
- Debt-to-asset ratio: 56.5%.
Executive Compensation Analysis
Executive compensation cannot be assessed as no specific compensation figures for executives are provided in the available financial data.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Upper Montclair Country Club's IRS 990 filings:
- The organization's nature as a 'Country Club' suggests it may not be a traditional nonprofit serving a broad public good, despite its tax-exempt status.
- Liabilities are consistently high, reaching $16,437,959 in 2023, which is a significant portion of its assets ($29,112,550).
- The provided data does not break down expenses, making it impossible to determine how revenue is allocated to programs, administration, or fundraising.
Strengths
The following positive indicators were identified for Upper Montclair Country Club:
- The organization demonstrates consistent revenue growth, from $9,329,711 in 2017 to $15,739,347 in 2023.
- Total assets have shown steady growth over the years, increasing from $15,521,037 in 2017 to $29,112,550 in 2023.
Frequently Asked Questions about Upper Montclair Country Club
Is Upper Montclair Country Club a legitimate charity?
Upper Montclair Country Club (EIN: 221349810) is a registered tax-exempt nonprofit based in New Jersey. Our AI analysis gives it a Mission Score of 25/100. It has 14 years of IRS 990 filings on record. Total revenue: $18.4M. 3 red flags identified. 2 strengths noted. Financial health grade: A.
How does Upper Montclair Country Club spend its money?
Upper Montclair Country Club reported $18.4M in total revenue in IRS 990 filings. 14 years of filing data available. Revenue exceeded expenses in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to Upper Montclair Country Club tax-deductible?
Upper Montclair Country Club is registered as a tax-exempt nonprofit (EIN: 221349810). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Upper Montclair Country Club located?
Upper Montclair Country Club is headquartered in Clifton, New Jersey and files with the IRS under EIN 221349810.
How many years of IRS 990 filings does Upper Montclair Country Club have?
Upper Montclair Country Club has 14 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $18.4M in total revenue.
What does Upper Montclair Country Club do?
Upper Montclair Country Club is a nonprofit organization in the Unknown sector, located in Clifton, New Jersey. It is classified under NTEE code Unknown.
How much revenue does Upper Montclair Country Club have?
Upper Montclair Country Club reported total revenue of $18,429,365. Based on 14 IRS 990 filings on record.
What are Upper Montclair Country Club's total assets?
Upper Montclair Country Club holds total assets of $29,563,737 as reported in IRS 990 filings.
Where is Upper Montclair Country Club located?
Upper Montclair Country Club is based in Clifton, New Jersey.
What is Upper Montclair Country Club's EIN?
Upper Montclair Country Club's Employer Identification Number (EIN) is 221349810. This is the unique tax ID assigned by the IRS for tax-exempt organizations.
What type of nonprofit is Upper Montclair Country Club?
Upper Montclair Country Club is classified under NTEE code Unknown (Unknown).
Is Upper Montclair Country Club a registered 501(c)(3)?
Upper Montclair Country Club appears in IRS records (EIN: 221349810). Check the IRS Tax Exempt Organization Search for the most current determination letter status.
Does Upper Montclair Country Club file IRS Form 990?
Yes, Upper Montclair Country Club has 14 IRS Form 990 filings on record. The most recent covers tax period 202312.
What was Upper Montclair Country Club's revenue in 2023?
In the 202312 filing period, Upper Montclair Country Club reported total revenue of $15,739,347, total expenses of $14,812,702, and net assets of $29,112,550.
Is Upper Montclair Country Club's revenue growing or declining?
Upper Montclair Country Club's revenue is growing. Revenue went from $14,403,807 (202212) to $15,739,347 (202312), a +9.3% change. Based on 14 filings on record.
What is Upper Montclair Country Club's most recent 990 filing?
The most recent IRS Form 990 filing for Upper Montclair Country Club covers tax period 202312. It shows revenue of $15,739,347, expenses of $14,812,702, total assets of $29,112,550, and liabilities of $16,437,959.
Is Upper Montclair Country Club a trustworthy charity?
Based on AI analysis of IRS 990 data, Upper Montclair Country Club has notable concerns. Mission Score: 25/100 (Poor). 3 red flags identified. 2 strengths noted.
What are the red flags for Upper Montclair Country Club?
The following concerns were identified: The organization's nature as a 'Country Club' suggests it may not be a traditional nonprofit serving a broad public good, despite its tax-exempt status.. Liabilities are consistently high, reaching $16,437,959 in 2023, which is a significant portion of its assets ($29,112,550).. The provided data does not break down expenses, making it impossible to determine how revenue is allocated to programs, administration, or fundraising.. These flags are based on automated analysis of IRS 990 public filings and should be verified independently.
What are Upper Montclair Country Club's strengths?
Positive indicators for Upper Montclair Country Club include: The organization demonstrates consistent revenue growth, from $9,329,711 in 2017 to $15,739,347 in 2023.. Total assets have shown steady growth over the years, increasing from $15,521,037 in 2017 to $29,112,550 in 2023.. These findings are derived from AI analysis of the organization's financial filings.
How does Upper Montclair Country Club compensate executives?
Executive compensation cannot be assessed as no specific compensation figures for executives are provided in the available financial data. Executive compensation data is sourced from IRS 990 filings, which require disclosure of officer, director, and key employee pay.
Given the name 'Upper Montclair Country Club' and its tax-exempt status, what specific public benefit or charitable activities does it engage in to justify its nonprofit designation?
The provided financial data does not offer any insight into the specific public benefit or charitable activities of the Upper Montclair Country Club. Further investigation into its IRS filings (e.g., Form 990) would be necessary to understand its stated mission and activities.
How does the organization manage its significant and growing liabilities, which were $16,437,959 in 2023, in relation to its asset base?
While liabilities are substantial, the organization's assets have also grown significantly, maintaining a healthy asset-to-liability ratio. For example, in 2023, assets were $29,112,550 against liabilities of $16,437,959, indicating that assets comfortably cover liabilities. However, the nature of these liabilities (e.g., debt, deferred revenue) is not detailed in the provided data.
Filing History
IRS 990 filing history for Upper Montclair Country Club showing financial trends over 14 years of public records:
Over 14 years of IRS 990 filings (2011–2023), Upper Montclair Country Club's revenue has grown by 82.9%, moving from $8.6M to $15.7M. Total assets increased by 113.2% over the same period, from $13.7M to $29.1M. Total functional expenses rose by 84.7%, from $8.0M to $14.8M. In its most recent filing year (2023), Upper Montclair Country Club reported a surplus of $927K, with revenue exceeding expenses. The organization holds $16.4M in liabilities against $29.1M in assets (debt-to-asset ratio: 56.5%), resulting in net assets of $12.7M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $15.7M | $14.8M | $29.1M | $16.4M | — | — |
| 2022 | $14.4M | $13.7M | $28.1M | $16.2M | — | View 990 |
| 2021 | $13.3M | $12.8M | $27.6M | $16.1M | — | View 990 |
| 2020 | $12.8M | $11.4M | $27.1M | $16.1M | — | View 990 |
| 2019 | $11.2M | $11.1M | $27.4M | $17.8M | — | — |
| 2018 | $10.7M | $10.5M | $19.2M | $9.7M | — | View 990 |
| 2017 | $9.3M | $8.7M | $15.5M | $5.9M | — | View 990 |
| 2017 | $10.5M | $10.4M | $15.9M | $7.2M | — | View 990 |
| 2016 | $11.0M | $10.3M | $15.7M | $7.1M | — | View 990 |
| 2015 | $10.1M | $9.7M | $15.4M | $7.5M | — | View 990 |
| 2014 | $9.6M | $9.4M | $15.4M | $7.9M | — | View 990 |
| 2013 | $9.1M | $8.9M | $15.8M | $8.6M | — | View 990 |
| 2012 | $9.0M | $8.0M | $16.0M | $9.1M | — | View 990 |
| 2011 | $8.6M | $8.0M | $13.7M | $7.7M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $15.7M, expenses of $14.8M, and assets of $29.1M (revenue +9.3% year-over-year).
- 2022: Revenue of $14.4M, expenses of $13.7M, and assets of $28.1M (revenue +8.2% year-over-year).
- 2021: Revenue of $13.3M, expenses of $12.8M, and assets of $27.6M (revenue +3.8% year-over-year).
- 2020: Revenue of $12.8M, expenses of $11.4M, and assets of $27.1M (revenue +14.3% year-over-year).
- 2019: Revenue of $11.2M, expenses of $11.1M, and assets of $27.4M (revenue +5.0% year-over-year).
- 2018: Revenue of $10.7M, expenses of $10.5M, and assets of $19.2M (revenue +14.5% year-over-year).
- 2017: Revenue of $9.3M, expenses of $8.7M, and assets of $15.5M (revenue -11.3% year-over-year).
- 2017: Revenue of $10.5M, expenses of $10.4M, and assets of $15.9M (revenue -4.2% year-over-year).
- 2016: Revenue of $11.0M, expenses of $10.3M, and assets of $15.7M (revenue +8.5% year-over-year).
- 2015: Revenue of $10.1M, expenses of $9.7M, and assets of $15.4M (revenue +6.0% year-over-year).
- 2014: Revenue of $9.6M, expenses of $9.4M, and assets of $15.4M (revenue +5.2% year-over-year).
- 2013: Revenue of $9.1M, expenses of $8.9M, and assets of $15.8M (revenue +0.5% year-over-year).
- 2012: Revenue of $9.0M, expenses of $8.0M, and assets of $16.0M (revenue +4.9% year-over-year).
- 2011: Revenue of $8.6M, expenses of $8.0M, and assets of $13.7M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Upper Montclair Country Club:
Data Sources and Methodology
This transparency report for Upper Montclair Country Club is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.