THREE LAKES COUNCIL INC

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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

1970

Legal Domicile

Principal Officer

Janet Andersen

Phone

9147633615

Tax Period

2025-01-01 to 2025-12-31

THREE LAKES COUNCIL INC, founded in 1970, is a micro nonprofit that reported $90K in total revenue in fiscal year 2025. Revenue surged 46% from the prior year, signaling strong growth momentum. The organization ran a surplus of $64K, a strong 71% operating margin.

Mission

The mission of the Three Lakes Council is to preserve and protect the waters and watershed of the three lakes through outreach, research, stewardship, and community action

Program Service Accomplishments

Program 1

Expenses: $6,319 Revenue: $0

Outreach and Communications: Mailings, newsletters, social media, meetings, and website designed to inform residents about actions they can take to preserve and protect the quality of the watershed, wetlands and waters of the three lakes. Encourage shoreline native plantings and permeable surfaces. Inform community about lake ecology. Update residents about regulatory changes that affect lakes, shores and watershed. Share Town actions that affect lake community.

Program 2

Expenses: $5,134 Revenue: $0

Lake Studies and Research -- Assess the current state of the watershed and water bodies to identify trends and critical factors impacting the area. Studies done with NYS DEC CSLAP program...

Lake Studies and Research -- Assess the current state of the watershed and water bodies to identify trends and critical factors impacting the area. Studies done with NYS DEC CSLAP program, independent lake managers and certified laboratory. Communicate study findings and sampling results. Notify residents of any visible harmful algal blooms. Evaluate trends in plant growth and density over years. Assess lake management actions based on research data. Contribute data to statewide assessments.

Program 3

Expenses: $6,507 Revenue: $0

Invasive Species Program - Lead efforts to detect and eradicate or control new invasive organisms in the watershed. Continue monitoring for aquatic invasives Egeria densa (found in 2008) and Trapas natans (2014). Long Pond preserve invasive control activities for phragmites and mile-a-minute vine.

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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 (2025)

Revenue Breakdown

Contributions & Grants $78,853

Program Service Revenue $0

Investment Income $11,215

Other Revenue $0

TOTAL REVENUE $90,068

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,978

Program Expenses $21,593

Other Expenses $25,970

TOTAL EXPENSES $25,970

Year-over-Year Comparison

	2025	2024	Change
Revenue	$90,068	$61,838	+0.5%
Expenses	$25,970	$34,705	-0.3%
Net Income	$64,098	$27,133	+1.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janet Andersen	President, Director	10	Officer Director	$0	$0	$0
Ron Tetelman	Vice President, Director	1	Officer Director	$0	$0	$0
Judy Hausman	Secretary, Director	2	Officer Director	$0	$0	$0
Nan Dale	Treasurer, Director	2	Officer Director	$0	$0	$0
Peter Hall	Director	1	Director	$0	$0	$0
Tadeusz Rajwer	Director	1	Director	$0	$0	$0
Linda Broudy	Director	1	Director	$0	$0	$0
Susan Harris	Director	1	Director	$0	$0	$0
Kevin Karl	Director	2	Director	$0	$0	$0
Jonathan Peter	Director	1	Director	$0	$0	$0
Ellen Bailey	Director	1	Director	$0	$0	$0
Paul Lewis	Director	1	Director	$0	$0	$0
Jean Lewis	Director	1	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	$90,068	$25,970	$528,164	$64,098