Civic Intelligence

Cotton Point Association Inc

EIN 14-6029682 • 501(c)4 • Queensbury, NY

Profile

Maintenance of Cottage Grounds

10 Aspen RidgeQueensbury, NY 12804
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

82nd percentile

0.16x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

88th percentile

0.34x

Higher debt load relative to revenue than 88% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2025

Net Margin

61st percentile

7.7%

Higher net margin than 61% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2025

Top Officer Pay

91st percentile

$0

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)4 • <$500k nonprofits • Source year 2025

Asset Growth

58th percentile

2.3%

Faster asset growth than 58% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2023 to 2025

Revenue Growth

58th percentile

4.1%

Faster revenue growth than 58% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2023 to 2025

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$348,606

Up $15,296 (+4.6%) from 2023

Liabilities

Down

$57,413

Down $9,793 (-15%) from 2023

Net Assets

$291,193

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue88th percentileNet Margin61st percentile

Revenue

Up

$166,571

Up $12,965 (+8.4%) from 2023

Expenses

Up

$153,750

Up $12,771 (+9.1%) from 2023

Net Income

Up

$12,821

Up $194 (+1.5%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400K$300K$200K$100K$0Assets 2011: $127,576Liabilities 2011: $36,0412011Assets 2012: $143,695Liabilities 2012: $37,0662012Assets 2013: $176,475Liabilities 2013: $49,9272013Assets 2014: $192,901Liabilities 2014: $47,1052014Assets 2015: $207,809Liabilities 2015: $45,7292015Assets 2016: $234,512Liabilities 2016: $48,2092016Assets 2017: $255,031Liabilities 2017: $48,2092017Assets 2018: $271,645Liabilities 2018: $45,9002018Assets 2019: $280,453Liabilities 2019: $39,1482019Assets 2020: $286,732Liabilities 2020: $63,1852020Assets 2021: $263,838Liabilities 2021: $28,908Net Assets 2021: $234,9302021Assets 2022: $319,944Liabilities 2022: $66,467Net Assets 2022: $253,4772022Assets 2023: $333,310Liabilities 2023: $67,2062023Assets 2025: $348,606Liabilities 2025: $57,413Net Assets 2025: $291,1932025

Highlighted filing

2025

Assets$348,606
Liabilities$57,413
Net Assets$291,193
Open 2025 Filing

Operations Trend

Revenue Growth58th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0-$50KRevenue 2011: $125,606Expenses 2011: $106,641Net Income 2011: $18,9652011Revenue 2012: $120,354Expenses 2012: $105,260Net Income 2012: $15,0942012Revenue 2013: $120,350Expenses 2013: $100,431Net Income 2013: $19,9192013Revenue 2014: $121,422Expenses 2014: $102,174Net Income 2014: $19,2482014Revenue 2015: $124,695Expenses 2015: $108,411Net Income 2015: $16,2842015Revenue 2016: $125,916Expenses 2016: $101,693Net Income 2016: $24,2232016Revenue 2017: $125,649Expenses 2017: $105,130Net Income 2017: $20,5192017Revenue 2018: $127,304Expenses 2018: $108,381Net Income 2018: $18,9232018Revenue 2019: $127,982Expenses 2019: $112,422Net Income 2019: $15,5602019Revenue 2020: $130,118Expenses 2020: $147,876Net Income 2020: -$17,7582020Revenue 2021: $144,688Expenses 2021: $133,305Net Income 2021: $11,3832021Revenue 2022: $152,446Expenses 2022: $133,899Net Income 2022: $18,5472022Revenue 2023: $153,606Expenses 2023: $140,979Net Income 2023: $12,6272023Revenue 2025: $166,571Expenses 2025: $153,750Net Income 2025: $12,8212025

Highlighted filing

2025

Revenue$166,571
Expenses$153,750
Net Income$12,821
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$348,606
Liabilities
$57,413
Net assets
$291,193
Revenue
$166,571
Expenses
$153,750
Net income
$12,821
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$3.49$0.57$2.91$1.67$1.54$0.13
2023Summary only. Only limited summary data is available for this year.$3.33$0.67$1.54$1.41$0.13
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.20$0.66$2.53$1.52$1.34$0.19
2021Detailed filing. Detailed filing data is available for this year.$2.64$0.29$2.35$1.45$1.33$0.11
2020Summary only. Only limited summary data is available for this year.$2.87$0.63$1.30$1.48$0.18
2019Summary only. Only limited summary data is available for this year.$2.80$0.39$1.28$1.12$0.16
2018Summary only. Only limited summary data is available for this year.$2.72$0.46$1.27$1.08$0.19
2017Summary only. Only limited summary data is available for this year.$2.55$0.48$1.26$1.05$0.21
2016Summary only. Only limited summary data is available for this year.$2.35$0.48$1.26$1.02$0.24
2015Summary only. Only limited summary data is available for this year.$2.08$0.46$1.25$1.08$0.16
2014Summary only. Only limited summary data is available for this year.$1.93$0.47$1.21$1.02$0.19
2013Summary only. Only limited summary data is available for this year.$1.76$0.50$1.20$1.00$0.20
2012Summary only. Only limited summary data is available for this year.$1.44$0.37$1.20$1.05$0.15
2011Summary only. Only limited summary data is available for this year.$1.28$0.36$1.26$1.07$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Nov 1, 2024 to Oct 31, 2025
Signed
Jan 30, 2026
Return Version
2024v5.0
Gross Receipts
$166,571
Mission and Program Overview

Mission

Maintenance of Cottage Grounds

Program Services

DescriptionGrantsExpenses
Maintenance of Cottage Grounds$0$153,750
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sarah ColePresident-$0--
Joseph SchwermanTreasurer-$0--
Barbara Mc DowellSecretary-$0--
Patrick DunleavyVice President-$0--
Filing and Contact Details

Filer

Filer Name
Cotton Point Association Inc
EIN
14-6029682
Phone
5187925916
Address
10 Aspen Ridge, Queensbury, NY 12804

Signing Officer

Name
Joseph Schwerman
Title
Treasurer
Phone
5187925916
Signed
2026-01-30
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part II, Line 26

“Deferred Revenue-Members Dues Received in Advance”

Raw XML Appendix122 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt00
IRS990EZ/BooksInCareOfDetail/PersonNm0Joseph Schwerman
IRS990EZ/BooksInCareOfDetail/PhoneNum05187925916
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt010 Aspen Ridge
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Queensbury
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd012804
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0335284
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0348606
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt012821
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt00
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0335284
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0348606
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0166571
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InvestmentIncomeAmt01654
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt0164917
IRS990EZ/MethodOfAccountingOtherDesc0Modified Accrual
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0278372
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0291193
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0278372
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0291193
IRS990EZ/OccupancyRentUtltsAndMaintAmt0153750
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Sarah Cole
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Joseph Schwerman
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Barbara Mc Dowell
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Patrick Dunleavy
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Vice President
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt00
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0Maintenance of Cottage Grounds
IRS990EZ/PrintingPublicationsPostageAmt00
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Maintenance of Cottage Grounds
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0153750
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt056912
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt057413
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt0153750
IRS990EZ/TotalProgramServiceExpensesAmt0153750
IRS990EZ/TotalRevenueAmt0166571
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Deferred Revenue-Members Dues Received in Advance
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Joseph Schwerman
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum05187925916
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-01-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COTTON POINT ASSOCIATION INC
ReturnHeader/Filer/BusinessNameControlTxt0COTT
ReturnHeader/Filer/EIN0146029682
ReturnHeader/Filer/PhoneNum05187925916
ReturnHeader/Filer/USAddress/AddressLine1Txt010 Aspen Ridge
ReturnHeader/Filer/USAddress/CityNm0Queensbury
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd012804
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02026-01-30T12:25:51-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-11-01
ReturnHeader/TaxPeriodEndDt02025-10-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.