Civic Intelligence

River Noire Yacht Club Condominium

EIN 38-3060584 • 501(c)7 • South Haven, MI

Profile

Safely maintained boat slips

PO Box 567South Haven, MI 49090

n/A

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.05x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)7 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

77th percentile

0.09x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)7 • <$500k nonprofits • Source year 2024

Net Margin

8th percentile

-42%

Higher net margin than 8% of similar nonprofits.

501(c)7 • <$500k nonprofits • Source year 2024

Top Officer Pay

94th percentile

$0

Higher top officer pay than 94% of similar nonprofits.

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

501(c)7 • <$500k nonprofits • Source year 2024

Asset Growth

20th percentile

-20%

Faster asset growth than 20% of similar nonprofits.

501(c)7 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

37th percentile

-5.4%

Faster revenue growth than 37% of similar nonprofits.

501(c)7 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Down

$175,930

Down $45,036 (-20%) from 2023

Liabilities

Down

$8,705

Down $247 (-2.8%) from 2023

Net Assets

Down

$167,225

Down $44,789 (-21%) from 2023

Operations
Liabilities / Revenue77th percentileNet Margin8th percentile

Revenue

Down

$96,099

Down $5,530 (-5.4%) from 2023

Expenses

Up

$136,283

Up $66,827 (+96%) from 2023

Net Income

Down

-$40,184

Down $72,357 (-225%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth20th percentile

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

$300K$200K$100K$0Assets 2010: $230,356Liabilities 2010: $4,1102010Assets 2011: $226,675Liabilities 2011: $3,760Net Assets 2011: $222,9152011Assets 2012: $210,470Liabilities 2012: $4,6702012Assets 2013: $215,125Liabilities 2013: $02013Assets 2014: $199,175Liabilities 2014: $0Net Assets 2014: $199,1752014Assets 2015: $206,624Liabilities 2015: $5,335Net Assets 2015: $201,2892015Assets 2016: $213,124Liabilities 2016: $5,006Net Assets 2016: $208,1182016Assets 2017: $205,210Liabilities 2017: $5,076Net Assets 2017: $200,1342017Assets 2018: $193,556Liabilities 2018: $5,829Net Assets 2018: $187,7272018Assets 2019: $192,058Liabilities 2019: $5,985Net Assets 2019: $186,0732019Assets 2020: $149,101Liabilities 2020: $6,095Net Assets 2020: $143,0062020Assets 2021: $190,136Liabilities 2021: $5,930Net Assets 2021: $184,2062021Assets 2022: $185,585Liabilities 2022: $5,746Net Assets 2022: $179,8392022Assets 2023: $220,966Liabilities 2023: $8,952Net Assets 2023: $212,0142023Assets 2024: $175,930Liabilities 2024: $8,705Net Assets 2024: $167,2252024

Highlighted filing

2024

Assets$175,930
Liabilities$8,705
Net Assets$167,225
Open 2024 Filing

Operations Trend

Revenue Growth37th percentile

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

$150K$100K$50K$0-$50KRevenue 2010: $62,064Expenses 2010: $30,485Net Income 2010: $31,5792010Revenue 2011: $44,159Expenses 2011: $36,304Net Income 2011: $7,8552011Revenue 2012: $35,355Expenses 2012: $52,451Net Income 2012: -$17,0962012Revenue 2013: $35,745Expenses 2013: $44,615Net Income 2013: -$8,8702013Revenue 2014: $34,266Expenses 2014: $48,819Net Income 2014: -$14,5532014Revenue 2015: $35,181Expenses 2015: $31,216Net Income 2015: $3,9652015Revenue 2016: $32,417Expenses 2016: $25,878Net Income 2016: $6,5392016Revenue 2017: $33,894Expenses 2017: $41,961Net Income 2017: -$8,0672017Revenue 2018: $34,268Expenses 2018: $46,332Net Income 2018: -$12,0642018Revenue 2019: $53,696Expenses 2019: $54,929Net Income 2019: -$1,2332019Revenue 2020: $83,617Expenses 2020: $124,860Net Income 2020: -$41,2432020Revenue 2021: $121,749Expenses 2021: $80,549Net Income 2021: $41,2002021Revenue 2022: $87,898Expenses 2022: $92,266Net Income 2022: -$4,3682022Revenue 2023: $101,629Expenses 2023: $69,456Net Income 2023: $32,1732023Revenue 2024: $96,099Expenses 2024: $136,283Net Income 2024: -$40,1842024

Highlighted filing

2024

Revenue$96,099
Expenses$136,283
Net Income-$40,184
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$175,930
Liabilities
$8,705
Net assets
$167,225
Revenue
$96,099
Expenses
$136,283
Net income
-$40,184
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.76$0.09$1.67$0.96$1.36$0.40
2023Detailed filing. Detailed filing data is available for this year.$2.21$0.09$2.12$1.02$0.69$0.32
2022Detailed filing. Detailed filing data is available for this year.$1.86$0.06$1.80$0.88$0.92$0.04
2021Detailed filing. Detailed filing data is available for this year.$1.90$0.06$1.84$1.22$0.81$0.41
2020Detailed filing. Detailed filing data is available for this year.$1.49$0.06$1.43$0.84$1.25$0.41
2019Detailed filing. Detailed filing data is available for this year.$1.92$0.06$1.86$0.54$0.55$0.01
2018Detailed filing. Detailed filing data is available for this year.$1.94$0.06$1.88$0.34$0.46$0.12
2017Detailed filing. Detailed filing data is available for this year.$2.05$0.05$2.00$0.34$0.42$0.08
2016Detailed filing. Detailed filing data is available for this year.$2.13$0.05$2.08$0.32$0.26$0.07
2015Detailed filing. Detailed filing data is available for this year.$2.07$0.05$2.01$0.35$0.31$0.04
2014Detailed filing. Detailed filing data is available for this year.$1.99$0.00$1.99$0.34$0.49$0.15
2013Summary only. Only limited summary data is available for this year.$2.15$0.00$0.36$0.45$0.09
2012Summary only. Only limited summary data is available for this year.$2.10$0.05$0.35$0.52$0.17
2011Summary only. Only limited summary data is available for this year.$2.27$0.04$2.23$0.44$0.36$0.08
2010Summary only. Only limited summary data is available for this year.$2.30$0.04$0.62$0.30$0.32
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 4, 2025
Return Version
2024v5.0
Gross Receipts
$100,209
Mission and Program Overview

Mission

Assoc to maintain & service boat slips

Safely maintained boat slips

Program Services

DescriptionGrantsExpenses
SAFELY MAINTAINED BOAT SLIPS--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JOHN REICHARDTTreasurer-$0--
LAURA BURTISPresident-$0--
HARRY MINNIEARSecretary-$0--
DAN LUNDGRENBoard Member-$0--
RYAN MYERSVice Preside-$0--
FARREN LAURENSBoard Member-$0--
MARY DOVGINBoard Member-$0--
STEVEN GINSBURGBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
River Noire Yacht Club Condominium
EIN
38-3060584
Phone
2695018601
Address
PO BOX 567, SOUTH HAVEN, MI 49090

Signing Officer

Name
John Reichardt
Title
Treasurer
Phone
2694206533
Signed
2025-06-04
Discuss with paid preparer
Yes

Preparer

Firm
Roberta a Otto CPA Plc
Address
237 BROADWAY STREET SUITE 4, SOUTH HAVEN, MI 49090
Preparer
Roberta a Otto
Phone
2696392255
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses meeting 4,676 insurance 4,330 licenses & permits 20 miscellaneous 285 penalties 188 non-investment depreciation 663 total 10,162”

Form 990-ez, Part I, Line 20

“INCOME TAXES PAID -4,606”

Form 990-ez, Part II, Line 24

“45,090 45,090 less accumulated depreciation 36,811 38,365 total 8,279 6,725”

Form 990-ez, Part II, Line 26

“Payroll tax liability 327 70 prepaid dues 8,625 8,635”

Raw XML Appendix131 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/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0JOHN REICHARDT
IRS990EZ/BooksInCareOfDetail/PhoneNum02695018601
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0300 OAK STREET
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SOUTH HAVEN
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd049090
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0132620
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt089137
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt096820
IRS990EZ/CostOfGoodsSoldAmt04110
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-40184
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt020060
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0220967
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0175930
IRS990EZ/GrossProfitLossSlsOfInvntryAmt0-746
IRS990EZ/GrossReceiptsAmt0100209
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/GrossSalesOfInventoryAmt03364
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt025
IRS990EZ/LandAndBuildingsGrp/BOYAmt080068
IRS990EZ/LandAndBuildingsGrp/EOYAmt080068
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0212015
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0167225
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0212015
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0167225
IRS990EZ/OccupancyRentUtltsAndMaintAmt0104709
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt4000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt5000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt6000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt7000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JOHN REICHARDT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1LAURA BURTIS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2HARRY MINNIEAR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3DAN LUNDGREN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4RYAN MYERS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5FARREN LAURENS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6MARY DOVGIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7STEVEN GINSBURG
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7BOARD MEMBER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt08279
IRS990EZ/OtherAssetsTotalDetail/EOYAmt06725
IRS990EZ/OtherChangesInNetAssetsAmt0-4606
IRS990EZ/OtherExpensesTotalAmt010162
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0SAFELY MAINTAINED BOAT SLIPS
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0SAFELY MAINTAINED BOAT SLIPS
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt01352
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt08952
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt08705
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0136283
IRS990EZ/TotalRevenueAmt096099
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES MEETING 4,676 INSURANCE 4,330 LICENSES & PERMITS 20 MISCELLANEOUS 285 PENALTIES 188 NON-INVESTMENT DEPRECIATION 663 TOTAL 10,162
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1INCOME TAXES PAID -4,606
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt245,090 45,090 LESS ACCUMULATED DEPRECIATION 36,811 38,365 TOTAL 8,279 6,725
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PAYROLL TAX LIABILITY 327 70 PREPAID DUES 8,625 8,635
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN REICHARDT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02694206533
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RIVER NOIRE YACHT CLUB CONDOMINIUM
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0383060584
ReturnHeader/Filer/PhoneNum02695018601
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 567
ReturnHeader/Filer/USAddress/CityNm0SOUTH HAVEN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049090
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0260836579
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ROBERTA A OTTO CPA PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0237 BROADWAY STREET SUITE 4
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SOUTH HAVEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049090
ReturnHeader/PreparerPersonGrp/PhoneNum02696392255
ReturnHeader/PreparerPersonGrp/PreparationDt02025-06-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERTA A OTTO
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-06-04T11:22:48-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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