Beaver Bay Club (EIN 410142780) - 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

1926

Legal Domicile

Principal Officer

Clifton Hull

Phone

3202773596

Tax Period

2024-12-01 to 2025-11-30

Beaver Bay Club, founded in 1926, is a small nonprofit that reported $257K in total revenue in fiscal year 2024. The organization ran a surplus of $49K, a strong 19% operating margin.

Mission

The organizations mission is to provide recreational acilities for its members. It presently owns some land and a lodge adjacent to Lake Superior that provides these activities.

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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 $249,774

Program Service Revenue $0

Investment Income $36

Other Revenue $7,383

TOTAL REVENUE $257,193

Expense Breakdown

Grants Paid $0

Salaries & Benefits $66,876

Fundraising Expenses $0

Program Expenses $207,975

Other Expenses $141,099

TOTAL EXPENSES $207,975

Year-over-Year Comparison

	2024	2023	Change
Revenue	$257,193	N/A	N/A
Expenses	$207,975	N/A	N/A
Net Income	$49,218	N/A	N/A

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

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	Role	Reportable Comp	Other Comp	Total
Clifton Hull	President	Officer Director	$0	$0	$0
Brian Palmer	Vice President	Officer Director	$0	$0	$0
Charles Phelps	Secretary	Officer Director	$0	$0	$0
Jim Wyman	Treasurer	Officer Director	$0	$0	$0
John Lillehei	Director	Director	$0	$0	$0
Lauren Nesset	Director	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	$257,193	$207,975	$1,196,718	$49,218
2024	$219,391	$159,310	$1,180,673	$60,081
2023	$216,212	$157,501	$1,151,487	$58,711
2022	$254,421	$169,071	$1,123,830	$85,350
2021	$182,730	$168,858	$1,017,587	$13,872
2020	$159,815	$178,704	$668,116	$-18,889
2019	$241,180	$188,691	$687,005	$52,489
2018	$179,859	$162,254	$634,516	$17,605

Beaver Bay Club