HUBBARD LAKE COMMUNITY ASSOCIATION

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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

1981

Legal Domicile

Principal Officer

Julie Mathewson

Phone

9897272361

Tax Period

2025-05-01 to 2026-04-30

HUBBARD LAKE COMMUNITY ASSOCIATION, founded in 1981, is a small nonprofit that reported $277K in total revenue in fiscal year 2025. Revenue fell 49% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $247K, a strong 89% operating margin.

Mission

the Hubbard Lake Community Association will work with the residents of the community, businesses and other community organizations to revitalize and improve the conditions and quality of life in the Hubbard Lake area.

Program Service Accomplishments

Program 1

Expenses: $16,626

hubbard lake community association continues to provide opportunity for community involvement and to better the hubbard lake area. they opened the new community center in April of 2026

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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 (2025)

Revenue Breakdown

Contributions & Grants $234,841

Program Service Revenue $0

Investment Income $23,027

Other Revenue $19,252

TOTAL REVENUE $277,120

Expense Breakdown

Grants Paid $100

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $16,626

Other Expenses $29,864

TOTAL EXPENSES $29,964

Year-over-Year Comparison

	2025	2024	Change
Revenue	$277,120	$546,882	-0.5%
Expenses	$29,964	$164,612	-0.8%
Net Income	$247,156	$382,270	-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

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
MIKE ELLER	director	2.0	Director	$0	$0	$0
KEITH BUTLER	DIRECTOR	1.0	Director	$0	$0	$0
ANN GONSLER	DIRECTOR	1.0	Director	$0	$0	$0
DARYL LANG	DIRECTOR	1.0	Director	$0	$0	$0
MARGARET BOYER	DIRECTOR	1.0	Director	$0	$0	$0
MARY JENUWINE	director	1.0	Director	$0	$0	$0
JANET RENNIE	SECRETARY	1.0	Officer	$0	$0	$0
JOSEPH RHYNE	TREASURER	20.0	Officer	$0	$0	$0
MICHAEL TOWN	VICE PRESIDENT	1.0	Officer	$0	$0	$0
JULIE MATHEWSON	PRESIDENT	2.0	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
2026	$277,120	$29,964	$1,410,668	$247,156
2025	$546,882	$164,612	$694,943	$382,270
2024	$253,575	$182,386	$936,873	$71,189
2023	$271,552	$212,503	$885,019	$59,049
2022	$150,332	$133,169	$794,462	$17,163
2021	$367,029	$100,885	$761,784	$266,144
2020	$119,019	$103,033	$487,897	$15,986
2019	$72,271	$98,204	$474,661	$-25,933