Pathfinder Village - St Croix Owners Association Inc (EIN 411278086) - 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

1975

Legal Domicile

Principal Officer

Tracy Tobin

Phone

3203847726

Tax Period

2023-01-01 to 2023-12-31

Pathfinder Village - St Croix Owners Association Inc, founded in 1975, is a community nonprofit in the Recreation & Sports sector that reported $2.2M in total revenue in fiscal year 2023.

Mission

Provide Recreational Activities For Members.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,508,591

Program Service Revenue $561,856

Investment Income $18,288

Other Revenue $132,689

TOTAL REVENUE $2,221,424

Expense Breakdown

Grants Paid $0

Salaries & Benefits $742,495

Fundraising Expenses $0

Program Expenses $2,254,447

Other Expenses $1,511,952

TOTAL EXPENSES $2,254,447

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,221,424	$2,274,599	0.0%
Expenses	$2,254,447	$2,328,579	0.0%
Net Income	$-33,023	$-53,980	-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

N/A

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
Josh Moulton	Board Member	2.00	Officer Director	$0	$0	$0
Julie Harms	Board Member	2.00	Officer Director	$0	$0	$0
Tracy Tobin	President	2.00	Officer Director	$0	$0	$0
Denise Fransen	Secretary	2.00	Officer Director	$0	$0	$0
Maria Nichols	Vice President	2.00	Director	$0	$0	$0
Jim Hansen	Treasurer	2.00	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
2024	No data	No data	No data	No data
2023	$2,221,424	$2,254,447	$1,686,926	$-33,023
2022	$2,274,599	$2,328,579	$1,787,936	$-53,980
2021	$2,175,438	$2,261,481	$1,912,924	$-86,043
2020	$1,934,460	$1,988,050	$1,332,556	$-53,590
2019	$2,084,969	$2,230,786	$1,379,012	$-145,817
2018	$1,997,465	$2,565,278	$1,539,027	$-567,813

Pathfinder Village - St Croix Owners Association Inc