Three Lakes Waterfront Association (EIN 237303472) - 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

1998

Legal Domicile

Principal Officer

FRED KNOCH

Phone

4145873355

Tax Period

2023-01-01 to 2023-12-31

Three Lakes Waterfront Association, founded in 1998, is a micro nonprofit in the Environment sector that reported $85K in total revenue in fiscal year 2023. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $101K exceeded revenue, resulting in a 19% operating deficit.

Mission

TLWA is organized to preserve and protect inland waters their watersheds and ecosystems in the vicinity of Three Lakes Wisconsin

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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 $81,734

Program Service Revenue $0

Investment Income $2,849

Other Revenue $674

TOTAL REVENUE $85,257

Expense Breakdown

Grants Paid $75,051

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $31,077

Other Expenses $26,225

TOTAL EXPENSES $101,276

Year-over-Year Comparison

	2023	2022	Change
Revenue	$85,257	$120,928	-0.3%
Expenses	$101,276	$72,924	+0.4%
Net Income	$-16,019	$48,004	-1.3%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDWARD JACOBSEN	Secretary	N/A	Officer	$0	$0	$0
LYNN ZIBELL	Vice Pesident	N/A	Officer	$0	$0	$0
ROBERT AGEN	Director	N/A	Director	$0	$0	$0
ED COTTINGHAM	Director	N/A	Director	$0	$0	$0
LORETTA GRIFFIN	Director	N/A	Director	$0	$0	$0
PAUL MATTHIAE	Director	N/A	Director	$0	$0	$0
JOHN RAY	Director	N/A	Director	$0	$0	$0
NORRIS ROSS	Director	N/A	Director	$0	$0	$0
DAVE WHEELER	Direcror	N/A	Director	$0	$0	$0
PAUL WUSSOW	Director	N/A	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
2023	$85,257	$101,276	$212,692	$-16,019

Three Lakes Waterfront Association