ST SIMONS ISLAND CLUB PROPERTY OWNERS' ASSOCIATION INC (EIN 581426048) - 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

DON LEWIS

Phone

9126384590

Tax Period

2025-01-01 to 2025-12-31

ST SIMONS ISLAND CLUB PROPERTY OWNERS' ASSOCIATION INC, founded in 1975, is a small nonprofit that reported $446K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $1.2M exceeded revenue, resulting in a 178% operating deficit.

Mission

MONITOR, MAINTAIN, PRESERVE, AND ENHANCE THE COMMON PROPERTY AND AMENITIES OF THE ST. SIMONS ISLAND CLUB FOR THE BENEFIT AND SAFETY OF THE COMMUNITY.

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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 $0

Program Service Revenue $407,717

Investment Income $38,115

Other Revenue $0

TOTAL REVENUE $445,832

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,197,984

Other Expenses $1,241,257

TOTAL EXPENSES $1,241,257

Year-over-Year Comparison

	2025	2024	Change
Revenue	$445,832	$387,329	+0.2%
Expenses	$1,241,257	$290,356	+3.3%
Net Income	$-795,425	$96,973	-9.2%

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
DON LEWIS	PRESIDENT	5.00	Officer Director	$0	$0	$0
JIM SHIRLEY	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
BRENDA KILGORE	SECRETARY	5.00	Officer Director	$0	$0	$0
SANDY CRUMRINE	TREASURER	5.00	Officer Director	$0	$0	$0
CATHY CUNNINGHAM	DIRECTOR	5.00	Director	$0	$0	$0
PHIL EASTMAN	DIRECTOR	5.00	Director	$0	$0	$0
DOUG TINGLE	DIRECTOR	5.00	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	$445,832	$1,241,257	$793,146	$-795,425
2024	$387,329	$290,356	$1,540,812	$96,973
2023	$325,934	$413,987	$1,298,588	$-88,053
2022	$233,196	$261,817	$1,399,444	$-28,621
2021	$249,433	$173,940	$1,478,967	$75,493
2020	$236,092	$134,451	$1,295,492	$101,641
2019	$181,887	$142,726	$1,156,944	$39,161
2018	$161,046	$136,700	$1,033,586	$24,346

ST SIMONS ISLAND CLUB PROPERTY OWNERS' ASSOCIATION INC