LITTLE SEBAGO LAKE ASSOCIATION

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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

1924

Legal Domicile

Principal Officer

PAM WILKINSON

Tax Period

2023-01-01 to 2023-12-31

LITTLE SEBAGO LAKE ASSOCIATION, founded in 1924, is a small nonprofit in the Environment sector that reported $267K in total revenue in fiscal year 2023. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $119K, a strong 45% operating margin.

Mission

THE ORGANIZATIONS PURPOSE IS TO RESTORE PROTECT AND PRESERVE THE WATER QUALITY AND FRAGILE ECOSYSTEM OF LITTLE SEBAGO LAKE

Program Service Accomplishments

Program 1

Expenses: $147,247

PROTECT AND PRESERVE THE WATER QUALITY AND FRAGILE ECOSYSTEM OF LITTLE SEBAGO LAKE

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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 $208,639

Program Service Revenue $0

Investment Income $46,208

Other Revenue $11,702

TOTAL REVENUE $266,549

Expense Breakdown

Grants Paid $3,085

Salaries & Benefits $53,313

Fundraising Expenses $0

Program Expenses $147,247

Other Expenses $90,849

TOTAL EXPENSES $147,247

Year-over-Year Comparison

	2023	2022	Change
Revenue	$266,549	$186,827	+0.4%
Expenses	$147,247	$148,486	0.0%
Net Income	$119,302	$38,341	+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

Employees

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 SAWHILL	DIRECTOR	2.00	Director	$0	$0	$0
KEVIN MURPHY	DIRECTOR	4.00	Director	$0	$0	$0
KEVIN KASERMAN	DIRECTOR	2.00	Director	$0	$0	$0
ARNIE ROSARIO	DIRECTOR	4.00	Director	$0	$0	$0
DEBRA LAVOIE	DIRECTOR	3.00	Director	$0	$0	$0
DIANE BURNELL	DIRECTOR	2.00	Director	$0	$0	$0
BETTY CATON	DIRECTOR	2.00	Director	$0	$0	$0
LAYNE ALBERT	DIRECTOR	2.00	Director	$0	$0	$0
ROD BERNIER	DIRECTOR	3.00	Director	$0	$0	$0
TIM GREER	DIRECTOR	4.00	Director	$0	$0	$0
JIM MCBRIDE	TREASURER	4.00	Officer	$0	$0	$0
PAM WILKINSON	PRESIDENT	15.00	Officer	$0	$0	$0
GARY KENNY	VICE PRESIDENT	3.00	Officer	$0	$0	$0
ANDY MAYO	DIRECTOR	2.00	Officer	$0	$0	$0
CHERYL ALTERMAN	SECRETARY	3.00	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
2024	No data	No data	No data	No data
2023	$266,549	$147,247	$606,400	$119,302
2022	$186,827	$148,486	$487,098	$38,341
2021	$201,170	$127,031	$516,901	$74,139