QUAKER LAKE COTTAGERS ASSN (EIN 150422535) - 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

1908

Legal Domicile

Principal Officer

MARK ZAYAC

Phone

6077238216

Tax Period

2024-05-01 to 2025-04-30

QUAKER LAKE COTTAGERS ASSN, founded in 1908, is a small nonprofit that reported $154K in total revenue in fiscal year 2024. Revenue surged 63% from the prior year, signaling strong growth momentum. The organization ran a surplus of $33K, a strong 22% operating margin.

Mission

SOCIAL CLUB

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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 $96,055

Investment Income $48,785

Other Revenue $9,498

TOTAL REVENUE $154,338

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $120,846

TOTAL EXPENSES $120,846

Year-over-Year Comparison

	2024	2023	Change
Revenue	$154,338	$94,668	+0.6%
Expenses	$120,846	$108,552	+0.1%
Net Income	$33,492	$-13,884	-3.4%

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	Role	Reportable Comp	Other Comp	Total
JOY SNYDER	BOARD MEMBER	Director	$0	$0	$0
KAMAL NIGAM	BOARD MEMBER	Director	$0	$0	$0
SANDY CLIFFORD	Secretary	Officer Director	$0	$0	$0
GEORGE COUPERTHWAIT	BOARD MEMBER	Director	$0	$0	$0
TIM KEENAN	BOARD MEMBER	Director	$0	$0	$0
JAY KELLER	Vice President	Officer Director	$0	$0	$0
CAROL DEMAREE	President	Officer Director	$0	$0	$0
MARK ZAYAC	Treasurer	Officer Director	$0	$0	$0
DALE TIFFT	BOARD MEMBER	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	$154,338	$120,846	$1,568,704	$33,492
2024	$94,668	$108,552	$1,516,552	$-13,884
2023	$108,599	$106,519	$1,515,535	$2,080
2022	$145,023	$119,858	$1,535,206	$25,165
2021	$131,027	$94,773	$1,608,303	$36,254
2020	$112,064	$125,262	$1,475,109	$-13,198
2019	$173,226	$160,738	$1,481,974	$12,488
2018	$102,485	$172,822	$1,433,754	$-70,337

QUAKER LAKE COTTAGERS ASSN