NAPLES SKI CLUB INC

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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

2006

Legal Domicile

Principal Officer

Linda Lovisa

Phone

4146179856

Tax Period

2025-01-01 to 2025-12-31

NAPLES SKI CLUB INC, founded in 2006, is a small nonprofit in the Recreation & Sports sector that reported $426K in total revenue in fiscal year 2025. Revenue surged 25% from the prior year, signaling strong growth momentum.

Mission

A social membership organization that facilitates the recreational sport of skiing snowboarding through trips and social events.

Program Service Accomplishments

Program 1

Expenses: $409,605 Revenue: $413,733

Sponsored numerous social events to build rapport and camaraderie amoung our members to further the sport of skiing and snowboarding.

Program 2

Expenses: $1,853 Revenue: $0

Communicate with our memmbers via the internet and printed material about the sport of skiing snowboarding. Attend meetings of the FL Ski Council to support the sport of skiing snowboarding.

Program 3

Expenses: $0 Revenue: $0

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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 $12,215

Program Service Revenue $413,733

Investment Income $0

Other Revenue $320

TOTAL REVENUE $426,268

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $411,458

Other Expenses $422,788

TOTAL EXPENSES $422,788

Year-over-Year Comparison

	2025	2024	Change
Revenue	$426,268	$341,386	+0.2%
Expenses	$422,788	$340,940	+0.2%
Net Income	$3,480	$446	+6.8%

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

N/A

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
Linda Lovisa	President	8.00	Officer Director	$0	$0	$0
Trudy Coleman	Treasurer	15.00	Officer Director	$0	$0	$0
Theresa Carpino	Secretary	8.00	Officer Director	$0	$0	$0
Bethany Sawyer	Director	3.00	Officer Director	$0	$0	$0
Joseph Komanecki	Director	3.00	Director	$0	$0	$0
Jan Navarre	Director	3.00	Director	$0	$0	$0
Rick Schmaelzle	Director	3.00	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
2025	$426,268	$422,788	$469,359	$3,480
2024	$341,386	$340,940	$437,364	$446
2023	$388,343	$379,788	$337,175	$8,555
2022	$211,001	$195,432	$388,946	$15,569
2021	$47,537	$50,685	$198,185	$-3,148
2020	$290,130	$291,191	$87,052	$-1,061
2019	$375,565	$365,696	$310,783	$9,869
2018	$259,831	$252,284	$245,310	$7,547