CRYSTAL LAKE CAMPS INC (EIN 232330917) - 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

1984

Legal Domicile

Principal Officer

KATHERINE BAILEY

Phone

5705845608

Tax Period

2024-10-01 to 2025-09-30

CRYSTAL LAKE CAMPS INC, founded in 1984, is a community nonprofit in the Recreation & Sports sector that reported $1.2M in total revenue in fiscal year 2024. Revenue fell 67% from the prior year — a significant decline worth monitoring. Expenses of $1.6M exceeded revenue, resulting in a 36% operating deficit.

Mission

CHRISTIAN SCIENCE YOUTH SUMMER CAMP

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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 $878,754

Program Service Revenue $183,307

Investment Income $110,442

Other Revenue $2,310

TOTAL REVENUE $1,174,813

Expense Breakdown

Grants Paid $0

Salaries & Benefits $739,038

Fundraising Expenses $244,809

Program Expenses $1,168,313

Other Expenses $862,407

TOTAL EXPENSES $1,601,445

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,174,813	$3,590,884	-0.7%
Expenses	$1,601,445	$1,372,097	+0.2%
Net Income	$-426,632	$2,218,787	-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
KATHERINE BAILEY	PRESIDENT/TR	1.50	Officer Director	$0	$0	$0
NANCY BOYER-RECHLIN	TRUSTEE	0.75	Director	$0	$0	$0
JENNIFER FISHER	SECRETARY/TR	1.50	Officer Director	$0	$0	$0
JAMES KEELEY	TREASURER/TR	1.50	Officer Director	$0	$0	$0
EVAN MACDONALD	VICE PRES/TR	1.50	Officer Director	$0	$0	$0
NANCY MONTONE	TRUSTEE	0.75	Director	$0	$0	$0
ELISABETH ROOT	TRUSTEE	0.75	Director	$0	$0	$0
COSETTE SCHNEBERGER	TRUSTEE	0.75	Director	$0	$0	$0
ALYSON WRIGHT	TRUSTEE	0.75	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	$1,174,813	$1,601,445	$3,386,895	$-426,632
2024	$3,590,884	$1,372,097	$3,713,553	$2,218,787
2023	$716,283	$1,293,854	$1,726,602	$-577,571
2022	$1,238,021	$1,340,438	$1,920,683	$-102,417
2021	$1,210,164	$1,052,471	$2,057,340	$157,693
2020	$852,469	$991,664	$1,955,301	$-139,195
2019	$1,490,165	$1,013,028	$2,026,176	$477,137
2018	$1,724,886	$663,712	$1,573,364	$1,061,174

CRYSTAL LAKE CAMPS INC