HUBBARD LAKE COMMUNITY ASSOCIATION (EIN 386067875) - 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

1981

Legal Domicile

Principal Officer

JULIE MATTHEWSON

Phone

9897272361

Tax Period

2024-05-01 to 2025-04-30

HUBBARD LAKE COMMUNITY ASSOCIATION, founded in 1981, is a small nonprofit that reported $547K in total revenue in fiscal year 2024. Revenue surged 116% from the prior year, signaling strong growth momentum. The organization ran a surplus of $382K, a strong 70% operating margin.

Mission

HUBBARD LAKE COMMUNITY ASSOCIATION EXISTS TO PROMOTE COMMUNITY SERVICE AND IS THE OVERSIGHT BOARD FOR THE HUBBARD LAKE FIRE DEPARTMENT

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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 $433,306

Program Service Revenue $0

Investment Income $87,590

Other Revenue $25,986

TOTAL REVENUE $546,882

Expense Breakdown

Grants Paid $26,035

Salaries & Benefits $499

Fundraising Expenses $0

Program Expenses $164,612

Other Expenses $137,103

TOTAL EXPENSES $164,612

Year-over-Year Comparison

	2024	2023	Change
Revenue	$546,882	$253,575	+1.2%
Expenses	$164,612	$182,386	-0.1%
Net Income	$382,270	$71,189	+4.4%

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

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

$499

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE ELLER	FIRE CHIEF	20.00	Director	$499	$0	$499
JANET RENNIE	SECRETARY	1.00	Officer	$0	$0	$0
KEITH BUTLER	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH RHYNE	TREASURER	3.00	Officer	$0	$0	$0
ANN GONSLER	DIRECTOR	1.00	Director	$0	$0	$0
DARYL LANG	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL TOWN	VICE PRESIDENT	1.00	Officer	$0	$0	$0
JULIE MATHEWSON	PRESIDENT	2.00	Officer	$0	$0	$0
HEATHER JONES	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET BOYER	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
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

HUBBARD LAKE COMMUNITY ASSOCIATION