BEND GOLF AND COUNTRY CLUB

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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

1957

Legal Domicile

Principal Officer

JOSHUA L COCCAGNA

Phone

5413225761

Tax Period

2024-04-01 to 2025-03-31

BEND GOLF AND COUNTRY CLUB, founded in 1957, is a community nonprofit that reported $5.3M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $4.8M left a modest 11% surplus.

Mission

TO PROVIDE BENEFIT TO MEMBERS BY PROVIDING ACCESS TO SOCIAL AND RECREATIONAL FACILITIES INCLUDING GOLF COURSE, TENNIS, FITNESS, SWIMMING POOL, AND FOOD AND BEVERAGE.

Program Service Accomplishments

Program 1

THE CLUB OPERATES FACILITIES FOR MEMBERSHIP, CONSISTENT WITH THE STATED GOALS AND OBJECTIVES OF THE ORGANIZATION.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,273,795

Investment Income $64,372

Other Revenue $998,981

TOTAL REVENUE $5,337,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,517,392

Fundraising Expenses $0

Other Expenses $2,254,191

TOTAL EXPENSES $4,771,583

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,337,148	$4,751,516	+0.1%
Expenses	$4,771,583	$4,488,666	+0.1%
Net Income	$565,565	$262,850	+1.2%

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

106

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

$186,740

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATTY WISEMAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
JIM BRADBURY	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
KEVIN FREIHOEFER	TREASURER	2.00	Officer Director	$0	$0	$0
TROY REINHART	SECRETARY	2.00	Officer Director	$0	$0	$0
ROB MOORE	DIRECTOR	2.00	Director	$0	$0	$0
DEBBI SMITH	DIRECTOR	2.00	Director	$0	$0	$0
RON BASADA	DIRECTOR	2.00	Director	$0	$0	$0
JESSICA RYCHARD	DIRECTOR	2.00	Director	$0	$0	$0
REINI REITER	DIRECTOR	2.00	Director	$0	$0	$0
LINDSAY WALLACE	DIRECTOR	2.00	Director	$0	$0	$0
DENNIS PERCELL	DIRECTOR	2.00	Director	$0	$0	$0
JOSHUA L COCCAGNA	GENERAL MANAGER	40.00	Officer	$173,129	$13,611	$186,740
SCOTT MOFFENBEIER	GOLF COURSE SUPERINTENDE	40.00	Highest	$145,460	$27,470	$172,930

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	$5,337,148	$4,771,583	$6,956,312	$565,565
2024	$4,751,516	$4,488,666	$6,192,584	$262,850
2023	$4,314,715	$4,065,775	$5,977,176	$248,940
2022	$4,263,275	$3,665,718	$5,177,493	$597,557
2021	$2,988,567	$3,009,675	$4,419,324	$-21,108
2020	$3,074,567	$3,155,456	$4,417,485	$-80,889
2019	$5,444,479	$3,005,303	$4,415,602	$2,439,176