SILVER BAY COUNTRY CLUB (EIN 410807691) - 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

1983

Legal Domicile

Principal Officer

Wayne Fenstad

Phone

2182263111

Tax Period

2025-01-01 to 2025-12-31

SILVER BAY COUNTRY CLUB, founded in 1983, is a small nonprofit in the Recreation & Sports sector that reported $300K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

The organization's mission is to lessen the burdens of the government by providing and promoting recreational golf activities and facilities to the public that would otherwise be provided and maintained at taxpayer's expense.

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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 $115,031

Program Service Revenue $146,713

Investment Income $86

Other Revenue $38,649

TOTAL REVENUE $300,479

Expense Breakdown

Grants Paid $0

Salaries & Benefits $158,697

Fundraising Expenses $0

Program Expenses $267,305

Other Expenses $135,713

TOTAL EXPENSES $294,410

Year-over-Year Comparison

	2025	2024	Change
Revenue	$300,479	$273,105	+0.1%
Expenses	$294,410	$261,533	+0.1%
Net Income	$6,069	$11,572	-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

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
Mike Johnson	Director	Director	$0	$0	$0
Marcus LaBerge	Director	Director	$0	$0	$0
James Frericks	Director	Director	$0	$0	$0
Wade LeBlanc	Director	Director	$0	$0	$0
Mike Guzzo	Director	Director	$0	$0	$0
Gary Ollila	Director	Director	$0	$0	$0
Wayne Fenstad	President of Board	Officer	$0	$0	$0
Jeff Berquist	Vice President of Board	Officer	$0	$0	$0
Michele Fenstad	Secretary of Board	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
2025	$300,479	$294,410	$195,545	$6,069
2024	$273,105	$261,533	$189,336	$11,572
2023	$250,167	$231,614	$174,348	$18,553
2022	$248,520	$212,046	$151,708	$36,474
2021	$249,105	$213,836	$116,473	$35,269
2020	$216,124	$174,460	$80,397	$41,664

SILVER BAY COUNTRY CLUB