Copper Valley Club (EIN 060702858) - 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

1954

Legal Domicile

Phone

2036799282

Tax Period

2019-10-01 to 2020-09-30

Copper Valley Club, founded in 1954, is a micro nonprofit that reported $33K in total revenue in fiscal year 2019. Revenue fell 65% from the prior year — a significant decline worth monitoring. Expenses of $104K exceeded revenue, resulting in a 212% operating deficit.

Mission

The mission of the Club is to promote the health and general welfare of its members and in pursuance thereof, to construct, own and operate recreational facilities, together with such incidental objects as are appropriate in the conduct of its activities in the Town of Cheshire, County of New Haven, State of Connecticut, for the exclusive use of its members and their families.

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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 (2019)

Revenue Breakdown

Contributions & Grants $43,611

Program Service Revenue $45,689

Investment Income $-63,437

Other Revenue $7,324

TOTAL REVENUE $33,187

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $36,524

Other Expenses $103,684

TOTAL EXPENSES $103,684

Year-over-Year Comparison

	2019	2018	Change
Revenue	$33,187	$94,189	-0.6%
Expenses	$103,684	$87,278	+0.2%
Net Income	$-70,497	$6,911	-11.2%

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

N/A

Employees

N/A

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	Role	Reportable Comp	Other Comp	Total
JEFFREY MAHAR	President	Officer	$0	$0	$0
Paul Cahill	VP Operations	Officer	$0	$0	$0
Mike Clarke	Secretary	Officer	$0	$0	$0
Rick Roberts	VP Administration	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
2020	$33,187	$103,684	$248,097	$-70,497

Copper Valley Club