HOOD RIVER SADDLE 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

Legal Domicile

Tax Period

2018-01-01 to 2018-12-31

HOOD RIVER SADDLE CLUB is a micro nonprofit in the Community Improvement sector that reported $29K in total revenue in fiscal year 2018. Expenses of $25K left a modest 13% surplus.

Mission

TO PRESERVE AND PROMOTE THE CULTURE OF THE EQUESTRIAN LIFESTYLE THROUGH COMMUNITY OUTREACH AND EDUCATION.

Program Service Accomplishments

Program 1

Expenses: $21,931

TO PRESERVE AND PROMOTE THE CULTURE OF THE EQUESTRIAN LIFESTYLE THROUGH COMMUNITY OUTREACH AND EDUCATION.

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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 (2018)

Revenue Breakdown

Contributions & Grants $50

Program Service Revenue $18,094

Investment Income $0

Other Revenue $10,417

TOTAL REVENUE $28,561

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,302

Fundraising Expenses $0

Program Expenses $21,931

Other Expenses $15,617

TOTAL EXPENSES $24,919

Year-over-Year Comparison

	2018	2017	Change
Revenue	$28,561	$27,534	+0.0%
Expenses	$24,919	$26,339	-0.1%
Net Income	$3,642	$1,195	+2.0%

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

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

$6,601

Total Directors

$8,557

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GRETA HEIN	Secretary	1.00	Officer Director	$0	$0	$0
KEN HANSEN	Vice President	12.00	Officer Director	$6,601	$0	$6,601
NEAL THORNTON	President	1.00	Officer Director	$0	$0	$0
HELEN HANSEN	Director	1.00	Director	$1,956	$0	$1,956
MYRA BIRKETT	Director	1.00	Director	$0	$0	$0
JAN WALLACE	Director	1.00	Director	$0	$0	$0
CARIN AGREN	Director	1.00	Director	$0	$0	$0
BRAD RHYLICK	Director	1.00	Director	$0	$0	$0
KURT OSBORNE	Director	1.00	Director	$0	$0	$0
RUTH KOSMALSKI	Treasurer	2.00	Officer Director	$0	$0	$0
JEANNE SREENAN	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
2018	$28,561	$24,919	$53,258	$3,642