SARANAC LAKE LODGE 457

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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

1921

Legal Domicile

Principal Officer

ANDREA L BARRY

Phone

5188910045

Tax Period

2024-05-01 to 2025-04-30

SARANAC LAKE LODGE 457, founded in 1921, is a small nonprofit that reported $106K in total revenue in fiscal year 2024. Expenses of $131K exceeded revenue, resulting in a 24% operating deficit.

Mission

UNITE IN BONDS OF FRATERNITY, BENEVOLENCE AND CHARITY ALL ACCEPTABLE PERSONS OF GOOD CHARACTER, EDUCATE AND IMPROVE MEMBERS AND FAMILY, ASSIST MEMBERS AND FAMILIES IN TIME OF NEED, ENCOURAGE AND EDUCATE.

Program Service Accomplishments

Program 1

Expenses: $12,671

UNITE IN THE BONDS OF FRATERNITY, BENEVOLENCE AND CHARITY ALL ACCEPTABLE PERSONS OF GOOD CHARACTER

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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 $7,069

Program Service Revenue $0

Investment Income $0

Other Revenue $98,774

TOTAL REVENUE $105,843

Expense Breakdown

Grants Paid $35,575

Salaries & Benefits $14,318

Fundraising Expenses $0

Program Expenses $12,671

Other Expenses $81,602

TOTAL EXPENSES $131,495

Year-over-Year Comparison

	2024	2023	Change
Revenue	$105,843	$107,868	0.0%
Expenses	$131,495	$125,630	+0.0%
Net Income	$-25,652	$-17,762	+0.4%

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

N/A

Employees

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
RICHARD F HURTEAU JR	TRUSTEE	2.00	Director	$0	$0	$0
GREG HAYES	TRUSTEE	5.00	Director	$0	$0	$0
RICHARD F HURTEAU	ADMINISTRATOR	0.00	Officer	$0	$0	$0
THOMAS HOPSEKER	PRESIDENT	2.00	Officer	$0	$0	$0
ANDREA HURTEAU BARRY	PAST PRESIDENT	5.00	Officer	$0	$0	$0
JAMES COCHRAN	TRUSTEE	2.00	Officer	$0	$0	$0
JANET C FLETCHER	CHAPLAIN	2.00	Officer	$0	$0	$0
AUSTIN DEVINS	TREASURER	2.00	Officer	$0	$0	$0
NANCY HURTEAU	VICE PRESIDENT	5.00	Officer	$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	$105,843	$131,495	$248,556	$-25,652
2024	$107,868	$125,630	$287,620	$-17,762
2023	$149,644	$85,544	$300,836	$64,100
2022	$128,852	$98,964	$236,665	$29,888
2021	$73,967	$49,798	$192,128	$24,169
2020	$72,911	$56,510	$166,274	$16,401
2019	$67,158	$54,223	$149,366	$12,935
2018	$79,148	$104,151	$140,718	$-25,003