CENTRAL ADIRONDACK ASSOCIATION INC (EIN 166054304) - 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

1930

Legal Domicile

Principal Officer

TRAE SKINNER

Phone

3154406788

Tax Period

2025-01-01 to 2025-12-31

CENTRAL ADIRONDACK ASSOCIATION INC, founded in 1930, is a micro nonprofit that reported $94K in total revenue in fiscal year 2025. Revenue decreased 18% compared to the prior year. Expenses of $107K exceeded revenue, resulting in a 14% operating deficit.

Mission

CENTRAL ADIRONDACK ASSOCIATION, INC'S MISSION IS TO PROMOTE, FOSTER & DEVELOP THE CENTRAL ADIRONDACK REGION.

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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 $47,757

Program Service Revenue $0

Investment Income $7,136

Other Revenue $38,752

TOTAL REVENUE $93,645

Expense Breakdown

Grants Paid $6,061

Salaries & Benefits $48,181

Fundraising Expenses $0

Program Expenses $104,398

Other Expenses $52,967

TOTAL EXPENSES $107,209

Year-over-Year Comparison

	2025	2024	Change
Revenue	$93,645	$114,054	-0.2%
Expenses	$107,209	$116,400	-0.1%
Net Income	$-13,564	$-2,346	+4.8%

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

$5,100

Total Directors

$5,100

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DICK BIRD	DIRECTOR	2.00	Director	$0	$0	$0
MIKE FARMER	DIRECTOR	2.00	Director	$0	$0	$0
KURT GARDNER	2ND VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
ZOE GOSNELL	DIRECTOR	2.00	Director	$0	$0	$0
MARK HANNAH	DIRECTOR	2.00	Director	$0	$0	$0
DALE HEROUX	1ST VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
SHARON KLEPS	TREASURER	5.00	Officer Director	$5,100	$0	$5,100
JUDY LONERGAN	PRESIDENT	15.00	Officer Director	$0	$0	$0
MIKE ROSS	DIRECTOR	2.00	Director	$0	$0	$0
GARY STAAB	DIRECTOR	2.00	Director	$0	$0	$0
AMELIA YONDER	DIRECTOR	2.00	Director	$0	$0	$0
LESLIE BEAUCHAMP	DIRECTOR	2.00	Director	$0	$0	$0
DEVON DAIKER	DIRECTOR	2.00	Director	$0	$0	$0
CHLOE DOWN	SECRETARY	5.00	Officer Director	$0	$0	$0
TRACEY DOWN	DIRECTOR	2.00	Director	$0	$0	$0
NOLAN FERRIS	DIRECTOR	2.00	Director	$0	$0	$0
XIMENA GARDNER	DIRECTOR	2.00	Director	$0	$0	$0
CHIP KEIFER	DIRECTOR	2.00	Director	$0	$0	$0
TAVIS KEIFER	DIRECTOR	2.00	Director	$0	$0	$0
DAVID KLEPS	DIRECTOR	2.00	Director	$0	$0	$0
TRAE SKINNER	DIRECTOR	2.00	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	$93,645	$107,209	$256,222	$-13,564
2024	$114,054	$116,400	$254,299	$-2,346
2023	$99,538	$116,957	$244,486	$-17,419
2022	$74,595	$130,826	$244,516	$-56,231
2021	$97,473	$107,075	$323,312	$-9,602
2020	$111,476	$141,789	$316,746	$-30,313
2019	$162,552	$171,162	$326,022	$-8,610
2018	$174,604	$155,303	$322,333	$19,301

CENTRAL ADIRONDACK ASSOCIATION INC