LOCH HAVEN CIVIC ASSOCIATION INCORPORATED (EIN 526054838) - 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

1952

Legal Domicile

Tax Period

2020-01-01 to 2020-12-31

LOCH HAVEN CIVIC ASSOCIATION INCORPORATED, founded in 1952, is a small nonprofit that reported $226K in total revenue in fiscal year 2020. Expenses of $329K exceeded revenue, resulting in a 46% operating deficit.

Mission

The purpose of the Loch Haven Civic Association is to make the Loch Haven community a better place to live. This is accomplished by the maintenance and improvements of the common areas in the community and organizing events in which the community can participate.

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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 (2020)

Revenue Breakdown

Contributions & Grants $162,981

Program Service Revenue $25,821

Investment Income $28

Other Revenue $37,273

TOTAL REVENUE $226,103

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $329,376

TOTAL EXPENSES $329,376

Year-over-Year Comparison

	2020	2019	Change
Revenue	$226,103	N/A	N/A
Expenses	$329,376	N/A	N/A
Net Income	$-103,273	$0	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

424

Independent Members

N/A

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
Bill Vossberg	Director	7.00	Director	$0	$0	$0
Patrician Cotter	Director	7.00	Director	$0	$0	$0
Lewis Palumbo	Director	7.00	Director	$0	$0	$0
Laura Plyler	Director	7.00	Director	$0	$0	$0
Lindsay Feroli	Director	7.00	Director	$0	$0	$0
Lance Davis	Director	7.00	Director	$0	$0	$0
Thomas Dicken	Director	7.00	Director	$0	$0	$0
Aubrey Schneider	Director	7.00	Director	$0	$0	$0
Brendan Domotor	Director	7.00	Director	$0	$0	$0
Elizabeth Ducey	Director	7.00	Director	$0	$0	$0
John Cotter	Treasurer	14.00	Officer	$0	$0	$0
Steve Martin	President	14.00	Officer	$0	$0	$0
Diane Quigley	Vice President	10.00	Officer	$0	$0	$0
Dick Barton	Secretary	10.00	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
2020	$226,103	$329,376	$131,731	$-103,273

LOCH HAVEN CIVIC ASSOCIATION INCORPORATED