THE FIVE LAKES SILVER BAND (EIN 020802528) - 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

2007

Legal Domicile

Principal Officer

JEFFREY SCHEU

Phone

7246017374

Tax Period

2024-07-01 to 2025-06-30

THE FIVE LAKES SILVER BAND, founded in 2007, is a small nonprofit in the Arts, Culture & Humanities sector that reported $161K in total revenue in fiscal year 2024. Revenue surged 65% from the prior year, signaling strong growth momentum. The organization ran a surplus of $34K, a strong 21% operating margin.

Mission

THE MISSION OF THE FIVE LAKES SILVER BAND IS TO STRIVE FOR MUSICAL EXCELLENCE IN PERFORMANCE, EDUCATION, AND ENTERTAINMENT IN THE BRITISH BRASS BAND TRADITION OF CONTESTING; TO ACHIEVE AND MAINTAIN THE STATUS OF A LEADING BRASS BAND WORLD-WIDE WHILE DEVELOPING , GROWING, AND ENRICHING THE NEXT GENERATION OF BRASS BAND ARTISTS AND AUDIENCES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $151,852

Program Service Revenue $0

Investment Income $0

Other Revenue $9,580

TOTAL REVENUE $161,432

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,950

Fundraising Expenses $0

Program Expenses $125,838

Other Expenses $113,684

TOTAL EXPENSES $127,634

Year-over-Year Comparison

	2024	2023	Change
Revenue	$161,432	$97,960	+0.6%
Expenses	$127,634	$87,837	+0.5%
Net Income	$33,798	$10,123	+2.3%

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

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

$14,600

Total Directors

$14,600

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER WARD	MUSIC DIRECTOR / DIRECTOR	10.00	Officer Director	$14,600	$0	$14,600
JEFFREY SCHEU	PRESIDENT / DIRECTOR	10.00	Officer Director	$0	$0	$0
GORDON WARD	VICE-PRESIDENT / DIRECTOR	5.00	Officer Director	$0	$0	$0
COLLEEN LAND	SECRETARY / DIRECTOR	5.00	Officer Director	$0	$0	$0
DOUG BAYNE	TREASURER / DIRECTOR	10.00	Officer Director	$0	$0	$0
JEFF MARKWICK	PERSONNEL MANAGER / DIRECT	5.00	Officer Director	$0	$0	$0
DEBORAH DEPORRE	DIRECTOR	3.00	Director	$0	$0	$0
MEGAN FRITZ	DIRECTOR	3.00	Director	$0	$0	$0
EDWARD GONCZ	TREASURER / DIRECTOR	10.00	Officer Director	$0	$0	$0
MICHAEL BAKER	MUSIC DIRECTOR / DIRECTOR	8.00	Officer 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	$161,432	$127,634	$51,263	$33,798
2024	$97,960	$87,837	$17,465	$10,123

THE FIVE LAKES SILVER BAND