CEDAR LAKE CLUB INC (EIN 150264745) - 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

1928

Legal Domicile

Principal Officer

TOM STUBLEY

Phone

3158395075

Tax Period

2024-11-01 to 2025-10-31

CEDAR LAKE CLUB INC, founded in 1928, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2024.

Mission

GOLF COURSE/CLUBHOUSE, BEACH AND CAMPING AREAS FOR MEMBERS USE

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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 $0

Program Service Revenue $1,281,123

Investment Income $642

Other Revenue $135,696

TOTAL REVENUE $1,417,461

Expense Breakdown

Grants Paid $0

Salaries & Benefits $581,452

Fundraising Expenses $0

Program Expenses $1,293,956

Other Expenses $851,727

TOTAL EXPENSES $1,433,179

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,417,461	$1,319,896	+0.1%
Expenses	$1,433,179	$1,235,668	+0.2%
Net Income	$-15,718	$84,228	-1.2%

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

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
JOE BABICZ	DIRECTOR	N/A	Director	$0	$0	$0
BRUCE BECKER	SENIOR DIREC	N/A	Director	$0	$0	$0
JILL CIRCELLI	DIRECTOR	N/A	Director	$0	$0	$0
JIM DAY	DIRECTOR	N/A	Director	$0	$0	$0
PETER MCPHAIL	SENIOR DIREC	N/A	Director	$0	$0	$0
LARRY THIBAULT	DIRECTOR	N/A	Director	$0	$0	$0
DAVE ZANGRILLI	DIRECTOR	N/A	Director	$0	$0	$0
AL ZUMPANO	SENIOR DIREC	N/A	Director	$0	$0	$0
ALICIA BROCKWAY	PAST PRESIDE	N/A	Officer	$0	$0	$0
ANTHONY HALLAK	VICE PRESIDE	N/A	Officer	$0	$0	$0
SAVEY LOMBARDO	TREASURER	1.00	Officer	$0	$0	$0
MIKE MCCORMACK	SECRETARY	N/A	Officer	$0	$0	$0
TOM STUBLEY	PRESIDENT	2.00	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
2025	$1,417,461	$1,433,179	$1,033,408	$-15,718
2024	$1,319,896	$1,235,668	$1,096,434	$84,228
2023	$1,351,680	$1,352,514	$1,028,781	$-834
2022	$1,295,050	$1,263,069	$1,052,357	$31,981
2021	$876,584	$831,514	$983,743	$45,070
2020	$835,745	$802,967	$941,618	$32,778
2019	$824,198	$833,736	$974,336	$-9,538
2018	$813,312	$800,059	$1,023,139	$13,253

CEDAR LAKE CLUB INC