Lake Montonia Club Incorporated (EIN 561381169) - 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

1925

Legal Domicile

Principal Officer

Susan Brady

Phone

7047340117

Tax Period

2023-01-01 to 2023-12-31

Lake Montonia Club Incorporated, founded in 1925, is a small nonprofit that reported $115K in total revenue in fiscal year 2023. Expenses of $127K exceeded revenue, resulting in a 11% operating deficit.

Mission

Provide security, maintenance & preservation of club's assets including lake water, grounds, facilities roads and piers for enjoyment of members and guests.

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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 $99,368

Program Service Revenue $280

Investment Income $9

Other Revenue $15,183

TOTAL REVENUE $114,840

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,245

Fundraising Expenses $0

Other Expenses $112,805

TOTAL EXPENSES $127,050

Year-over-Year Comparison

	2023	2022	Change
Revenue	$114,840	$115,417	0.0%
Expenses	$127,050	$100,617	+0.3%
Net Income	$-12,210	$14,800	-1.8%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ray Hughes	President	2.00	Officer Director	$0	$0	$0
Jimmy Melvin	Vice President	2.00	Officer Director	$0	$0	$0
Jeanette Cheshire	Secretary	2.00	Officer Director	$0	$0	$0
Wanda Whetstine	Treasurer	5.00	Officer Director	$0	$0	$0
Sue Brady	Director	1.00	Director	$0	$0	$0
David DeVane	Director	1.00	Director	$0	$0	$0
Jeff Mauney	Director	1.00	Director	$0	$0	$0
Tony Parks	Director	1.00	Director	$0	$0	$0
Eva Ruth	Director	1.00	Director	$0	$0	$0
Bradley Suter	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
2024	No data	No data	No data	No data
2023	$114,840	$127,050	$255,621	$-12,210
2022	$115,417	$100,617	$267,948	$14,800
2021	$109,487	$125,900	$253,602	$-16,413
2020	$114,355	$90,605	$270,222	$23,750
2019	$102,448	$95,582	$246,075	$6,866
2018	$103,282	$125,456	$239,132	$-22,174

Lake Montonia Club Incorporated