VALLEY LO CLUB ASSOCIATION INC

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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

1961

Legal Domicile

Phone

8477295550

Tax Period

2024-04-01 to 2025-03-31

VALLEY LO CLUB ASSOCIATION INC, founded in 1961, is a community nonprofit that reported $7.6M in total revenue in fiscal year 2024. Expenses of $7.3M left a modest 4% surplus.

Mission

THE PURPOSE OF THE CLUB IS TO OWN, OPERATE, CONDUCT AND MAINTAIN A NOT-FOR-PROFIT PRIVATE MEMBERSHIP CLUB FOR THE PROMOTION OF THE PHYSICAL AND SOCIAL WELFARE OF AND FRIENDLY INTERACTION AMONG ITS MEMBERS AND THEIR GUESTS.

Program Service Accomplishments

Program 1

PROVIDE GOLF, SWIMMING, TENNIS, OTHER SPORT, RESTAURANT AND CLUBHOUSE FACILITIES FOR THE SOCIAL AND RECREATIONAL BENEFIT OF MEMBERS.

Program 2

N/A

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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 $0

Program Service Revenue $7,500,622

Investment Income $105,049

Other Revenue $-21,299

TOTAL REVENUE $7,584,372

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,488,195

Fundraising Expenses $0

Other Expenses $3,820,937

TOTAL EXPENSES $7,309,132

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,584,372	$7,259,470	+0.0%
Expenses	$7,309,132	$6,663,113	+0.1%
Net Income	$275,240	$596,357	-0.5%

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

305

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
JUDITH HIGGINS	GENERAL MANAGER	40.00		$273,161	$27,118	$300,279
Michael Marino	Dir. of Racquets	40.00		$235,580	$28,875	$264,455
William Dunmire	Dir. of Recreation	40.00		$147,333	$29,917	$177,250
EDWARD MIHOK	CONTROLLER	40.00		$144,070	$31,685	$175,755
Ryan Hinners	Grounds Super	40.00		$136,528	$12,255	$148,783
Jason Herling	Executive Chef	40.00		$132,481	$605	$133,086
JULIE TRAUB	Director	1.00	Director	$0	$0	$0
Doug Ward	Director	1.00	Director	$0	$0	$0
JOSH HOLTON	Director	1.00	Director	$0	$0	$0
PETE LANGAS	Treasurer	4.00	Officer Director	$0	$0	$0
Noah Finkel	President	5.00	Officer Director	$0	$0	$0
BRAD NAGEL	Director	1.00	Director	$0	$0	$0
LINDSAY MALMANIS	Director	1.00	Director	$0	$0	$0
MICHAEL AUDA	Vice President	1.00	Director	$0	$0	$0
Jane Lustig	Secretary	1.00	Officer Director	$0	$0	$0
Beth Kersten	Director	1.00	Director	$0	$0	$0
Crosbie Lind	Director	1.00	Director	$0	$0	$0
Jerry Ehlinger	Director	1.00	Director	$0	$0	$0
MICHELLE MCGOWAN	Director	1.00	Director	$0	$0	$0
LAURIE KOHL	Vice President	2.00	Officer Director	$0	$0	$0
RICHARD KREUTZFELDT	Treasurer	4.00	Officer 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	$7,584,372	$7,309,132	$21,366,065	$275,240
2024	$7,259,470	$6,663,113	$22,149,114	$596,357
2023	$6,989,905	$5,914,809	$21,402,325	$1,075,096
2022	$7,296,125	$5,439,117	$20,012,159	$1,857,008
2021	$5,241,166	$4,513,350	$18,528,775	$727,816
2020	$5,449,074	$5,475,785	$17,707,917	$-26,711
2019	$5,394,139	$5,168,697	$18,092,332	$225,442
2018	$7,058,859	$7,036,922	$18,780,754	$21,937