Otisco Lake Preservation Association (EIN 264486719) - 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

2009

Legal Domicile

Principal Officer

Timothy Creamer

Phone

3156368574

Tax Period

2020-01-01 to 2020-12-31

Otisco Lake Preservation Association, founded in 2009, is a micro nonprofit in the Environment sector that reported $41K in total revenue in fiscal year 2020. Revenue fell 21% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $9K, a strong 21% operating margin.

Mission

TO PRESERVE THE HEALTH, BEAUTY AND WELFARE OF OTISCO LAKE, NOT ONLY TODAY, BUT FOR FUTURE GENERATIONS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $40,949

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $40,949

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $32,225

Other Expenses $32,225

TOTAL EXPENSES $32,225

Year-over-Year Comparison

	2020	2019	Change
Revenue	$40,949	$52,108	-0.2%
Expenses	$32,225	$29,627	+0.1%
Net Income	$8,724	$22,481	-0.6%

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
Timothy Creamer	President	8.00	Director	$0	$0	$0
Teri Lore	Treasurer	4.00	Director	$0	$0	$0
Jennifer Griffin	Vice President	5.00	Director	$0	$0	$0
Kate Walsh	Secretary	3.00	Director	$0	$0	$0
Bill Ayling	Member at large	1.00	Director	$0	$0	$0
Ben Hardwick	Member at large	1.00	Director	$0	$0	$0
Debra Monaco	Member at large	1.00	Director	$0	$0	$0
Jim Monaco	Member at large	1.00	Director	$0	$0	$0
Anne Clark	Member at large	1.00	Director	$0	$0	$0
Linda Kelly	Member at large	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	$40,949	$32,225	$92,354	$8,724
2019	$52,108	$29,627	$83,630	$22,481
2018	$88,313	$64,039	$64,337	$24,274

Otisco Lake Preservation Association