MINNESOTA RESORT AND CAMPGROUND ASSOCIATION (EIN 237412905) - 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

1946

Legal Domicile

Principal Officer

ELIZABETH RAMMER

Phone

6517782400

Tax Period

2019-04-01 to 2020-03-31

MINNESOTA RESORT AND CAMPGROUND ASSOCIATION, founded in 1946, is a small nonprofit that reported $232K in total revenue in fiscal year 2019. Revenue decreased 14% compared to the prior year. Expenses of $310K exceeded revenue, resulting in a 34% operating deficit.

Mission

TO IMPROVE, PROTECT, AND PROMOTE THE WELFARE OF THE RESORT AND CAMPGROUND INDUSTRIES IN MINNESOTA.

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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 (2019)

Revenue Breakdown

Contributions & Grants $2,595

Program Service Revenue $226,571

Investment Income $253

Other Revenue $2,623

TOTAL REVENUE $232,042

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $306,876

TOTAL EXPENSES $309,876

Year-over-Year Comparison

	2019	2018	Change
Revenue	$232,042	$270,872	-0.1%
Expenses	$309,876	$316,983	0.0%
Net Income	$-77,834	$-46,111	+0.7%

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

$175,054

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH RAMMER	EXEC VICE PRESIDENT	10.00	Officer	$0	$3,863	$175,054
PHIL TRUSTY	PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVEN NELSON	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
JOSEPH DEROSE	TREASURER	1.00	Officer Director	$0	$0	$0
PAUL WALDOWSKI	PRESIDENT-ELECT	1.00	Officer Director	$0	$0	$0
ERIC HANSON	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
BETH SCHUPP	DIRECTOR	1.00	Director	$0	$0	$0
BRYAN HARRIS	DIRECTOR	1.00	Director	$0	$0	$0
PAUL BUGBEE	DIRECTOR	1.00	Director	$0	$0	$0
DAN BERG	DIRECTOR	1.00	Director	$0	$0	$0
DAVID LANGHOFF	DIRECTOR	1.00	Director	$0	$0	$0
PAUL LUDLOW	DIRECTOR	1.00	Director	$0	$0	$0
PAUL NELSON	DIRECTOR	1.00	Director	$0	$0	$0
RON RYKKEN	DIRECTOR	1.00	Director	$0	$0	$0
SHORTY SPOHN	DIRECTOR	1.00	Director	$0	$0	$0
DEB THEISEN	DIRECTOR	1.00	Director	$0	$0	$0
LARRY JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
TOM KAVANAUGH	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS RUTTGER	DIRECTOR	1.00	Director	$0	$0	$0
BRYAN HEISE	DIRECTOR	1.00	Director	$0	$0	$0
ELDON PETERSON	DIRECTOR	1.00	Director	$0	$0	$0
FRANK SOUKUP	DIRECTOR	1.00	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
2020	$232,042	$309,876	No data	$-77,834
2019	$270,872	$316,983	$206,461	$-46,111

MINNESOTA RESORT AND CAMPGROUND ASSOCIATION