CREAM HILL 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

1958

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

CREAM HILL LAKE ASSOCIATION, founded in 1958, is a small nonprofit that reported $401K in total revenue in fiscal year 2023. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $209K, a strong 52% operating margin.

Mission

TO PROVIDE A SOCIAL AND RECREATIONAL CLUBFOR SWIMMING, TENNIS AND SOCIAL EVENTS.

Program Service Accomplishments

Program 1

Expenses: $185,854

PROVIDE SWIMMING, TENNIS AND SOCIAL ACTIVITIES FOR OVER 200 MEMBER FAMILIES.SERVICES PROVIDED INCLUDE MAINTEANCE OF WATERFRONT PROPERTIES INCLUDING HIRING LIFEGUARDS, PROVIDING SAFETY EQUIPMENT AND MAINTENANCE OF DOCKS, RAFTS AND CHANGING AREAS. ALSO PROVIDED MAINTENANCE OF TENNIS COURTS AND TENNIS INSTRUCTION. MEMBERS ALSO USE FACILITY FOR PICNICS, DINNERS, NATURE PROGRAMS AND SOCIAL GATHERINGS.

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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 $203,436

Program Service Revenue $197,205

Investment Income $0

Other Revenue $0

TOTAL REVENUE $400,641

Expense Breakdown

Grants Paid $0

Salaries & Benefits $60,610

Fundraising Expenses $0

Program Expenses $185,854

Other Expenses $130,829

TOTAL EXPENSES $191,439

Year-over-Year Comparison

	2023	2022	Change
Revenue	$400,641	$470,165	-0.1%
Expenses	$191,439	$166,707	+0.1%
Net Income	$209,202	$303,458	-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
RONNIE LIZANA	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER DORSEN	DIRECTOR	1.00	Director	$0	$0	$0
TED SCHILLINGER	DIRECTOR	1.00	Director	$0	$0	$0
TODD LUNDERBERG	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA BRUEHL	DIRECTOR	1.00	Director	$0	$0	$0
LOREN BEVANS	PRESIDENT	1.00	Officer Director	$0	$0	$0
ANNE KOSCIUSKO	SECRETARY	3.00	Officer Director	$0	$0	$0
CASPAR LUARD	TREASURER	3.00	Officer Director	$0	$0	$0
TORY ESTERN	VICE PRESIDENT	1.00	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
2024	No data	No data	No data	No data
2023	$400,641	$191,439	$1,301,664	$209,202
2022	$470,165	$166,707	$700,006	$303,458