PACKANACK LAKE COUNTRY CLUB & COMM ASSN (EIN 221178035) - 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

PAUL PIZIO

Phone

9736940094

Tax Period

2023-01-01 to 2023-12-31

PACKANACK LAKE COUNTRY CLUB & COMM ASSN, founded in 1928, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023. Expenses of $1.5M exceeded revenue, resulting in a 25% operating deficit.

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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 (2023)

Revenue Breakdown

Contributions & Grants $947,191

Program Service Revenue $214,501

Investment Income $8,302

Other Revenue $11,407

TOTAL REVENUE $1,181,401

Expense Breakdown

Grants Paid $0

Salaries & Benefits $432,414

Fundraising Expenses $0

Program Expenses $1,068,180

Other Expenses $1,042,808

TOTAL EXPENSES $1,475,222

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,181,401	$1,215,606	0.0%
Expenses	$1,475,222	$1,192,173	+0.2%
Net Income	$-293,821	$23,433	-13.5%

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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL PIZIO	PRESIDENT/WATER QUALITY	9.09	Director	$0	$0	$0
RYAN BROWN	VICE PRESIDENT/HOUSE	9.09	Director	$0	$0	$0
LAURA MANGO	COMMUNICATIONS	9.09	Director	$0	$0	$0
JOYCE CUTLER-FAZIO	BEACH	9.09	Director	$0	$0	$0
SEAN SCHUMER	SECRETARY/PLAA	9.09	Director	$0	$0	$0
TIM MILTON	WATER QUALITY	9.09	Director	$0	$0	$0
DAVID BOWIE	TREASURER	9.09		$0	$0	$0
JOSEPH OAKLY	GROUNDS/SAFETY	9.09		$0	$0	$0
JESSICA STANCHAK	MEMBERSHIP	9.09		$0	$0	$0
AMY SCATURRO	SECRETARY	9.09		$0	$0	$0
GARY HOGUE	PLAA	9.09		$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
2024	No data	No data	No data	No data
2023	$1,181,401	$1,475,222	$1,019,504	$-293,821
2022	$1,215,606	$1,192,173	$1,306,052	$23,433
2021	$1,169,147	$1,200,810	$1,282,618	$-31,663
2020	$1,020,745	$1,050,074	$1,307,504	$-29,329
2019	$1,283,604	$1,291,242	$1,302,676	$-7,638
2018	$1,327,403	$1,130,167	$1,309,930	$197,236

PACKANACK LAKE COUNTRY CLUB & COMM ASSN