Civic Intelligence

Indian Lake Yacht Club

EIN 38-6111674 • 501(c)7 • Dowagiac, MI

Profile

Organized to assist members who sail and operate pleasure boats

PO Box 888Dowagiac, MI 49047

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

90th percentile

35%

Higher net margin than 90% of similar nonprofits.

501(c)7 • <$500k nonprofits • Source year 2025

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 2025

Asset Growth

82nd percentile

23%

Faster asset growth than 82% of similar nonprofits.

501(c)7 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

70th percentile

13%

Faster revenue growth than 70% of similar nonprofits.

501(c)7 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$163,524

Up $30,473 (+23%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$163,524

Up $30,473 (+23%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin90th percentile

Revenue

Up

$88,313

Up $10,419 (+13%) from 2024

Expenses

Up

$57,840

Up $5,061 (+9.6%) from 2024

Net Income

Up

$30,473

Up $5,358 (+21%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

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

$200K$150K$100K$50K$0Assets 2012: $14,806Net Assets 2012: $14,8062012Assets 2013: $12,578Net Assets 2013: $12,5782013Assets 2014: $10,149Net Assets 2014: $10,1492014Assets 2015: $7,093Net Assets 2015: $7,0932015Assets 2016: $4,433Net Assets 2016: $4,4332016Assets 2017: $1,524Net Assets 2017: $1,5242017Assets 2018: $25,756Net Assets 2018: $25,7562018Assets 2021: $74,329Net Assets 2021: $86,8832021Assets 2022: $85,420Net Assets 2022: $142,3082022Assets 2023: $107,936Net Assets 2023: $107,9362023Assets 2024: $133,051Net Assets 2024: $133,0512024Assets 2025: $163,524Net Assets 2025: $163,5242025

Highlighted filing

2025

Assets$163,524
Liabilities-
Net Assets$163,524
Open 2025 Filing

Operations Trend

Revenue Growth70th percentile

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

$150K$100K$50K$0-$50KRevenue 2012: $63,077Expenses 2012: $67,084Net Income 2012: -$4,0072012Revenue 2013: $61,479Expenses 2013: $63,708Net Income 2013: -$2,2292013Revenue 2014: $64,102Expenses 2014: $66,531Net Income 2014: -$2,4292014Revenue 2015: $58,812Expenses 2015: $61,868Net Income 2015: -$3,0562015Revenue 2016: $65,831Expenses 2016: $68,491Net Income 2016: -$2,6602016Revenue 2017: $41,470Expenses 2017: $44,379Net Income 2017: -$2,9092017Revenue 2018: $55,033Expenses 2018: $30,801Net Income 2018: $24,2322018Revenue 2021: $73,604Expenses 2021: $44,741Net Income 2021: $28,8632021Revenue 2022: $111,259Expenses 2022: $43,280Net Income 2022: $67,9792022Revenue 2023: $74,999Expenses 2023: $52,483Net Income 2023: $22,5162023Revenue 2024: $77,894Expenses 2024: $52,779Net Income 2024: $25,1152024Revenue 2025: $88,313Expenses 2025: $57,840Net Income 2025: $30,4732025

Highlighted filing

2025

Revenue$88,313
Expenses$57,840
Net Income$30,473
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$163,524
Liabilities
-
Net assets
$163,524
Revenue
$88,313
Expenses
$57,840
Net income
$30,473
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.64$1.64$0.88$0.58$0.30
2024Detailed filing. Detailed filing data is available for this year.$1.33$1.33$0.78$0.53$0.25
2023Detailed filing. Detailed filing data is available for this year.$1.08$1.08$0.75$0.52$0.23
2022Detailed filing. Detailed filing data is available for this year.$0.85$1.42$1.11$0.43$0.68
2021Detailed filing. Detailed filing data is available for this year.$0.74$0.87$0.74$0.45$0.29
2018Detailed filing. Detailed filing data is available for this year.$0.26$0.26$0.55$0.31$0.24
2017Detailed filing. Detailed filing data is available for this year.$0.02$0.02$0.41$0.44$0.03
2016Detailed filing. Detailed filing data is available for this year.$0.04$0.04$0.66$0.68$0.03
2015Detailed filing. Detailed filing data is available for this year.$0.07$0.07$0.59$0.62$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.10$0.10$0.64$0.67$0.02
2013Detailed filing. Detailed filing data is available for this year.$0.13$0.13$0.61$0.64$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.15$0.15$0.63$0.67$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 20, 2026
Return Version
2025v4.0
Gross Receipts
$140,867
Mission and Program Overview

Mission

Organized to assist members who sail and operate pleasure boats

Program Services

DescriptionGrantsExpenses
LAUNCH RAMP AND GAS SALES TO FACILITATE USE OF THE LAKE--
SOCIAL EVENTS FOR MEMBERS AND GUESTS--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
DAVE DELGADOCommodore-$0--
KATHY ELGHAMMERVice Commodo-$0--
LISA GAMMONSecretary-$0--
ROBERT CESARIOTreasurer-$0--
BARRY BOWSMANDirector-$0--
BOB HEATHCOTEDirector-$0--
JIM DIETZDirector-$0--
MATT KLAUSNERDirector-$0--
MARGE BILDERDirector-$0--
ROBERT HAGUEDirector-$0--
Filing and Contact Details

Filer

Filer Name
Indian Lake Yacht Club
EIN
38-6111674
Phone
8475679151
Address
PO BOX 888, DOWAGIAC, MI 49047

Signing Officer

Name
Robert Cesario
Title
Treasurer
Phone
8475679151
Signed
2026-02-20

Preparer

Firm
WEBER & ASSOCIATES CPA'S
Address
314 N LAKE ST STE 1B, AURORA, IL 60506-4086
Preparer
Gabriela Fedmasu
Phone
6308974500
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

“Advertising 4,858 other revenue 1,767 fishing derby 610 total 7,235”

Form 990-ez, Part I, Line 16

“Expenses credit card fees 25 internet & phone 659 software 1,582 meetings 939 insurance 5,104 supplies 671 boat expenses 4,423 miscellaneous 5,230 fishing derby 1,123 tree carving 3,000 donation 300 non-investment depreciation 2,716 total 25,772”

Form 990-ez, Part II, Line 24

“Other assets 9,608 9,608 boats 12,900 12,900 less accumulated depreciation 4,480 7,196 total 18,028 15,312”

Raw XML Appendix136 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/PersonNm0ROBERT CESARIO
IRS990EZ/BooksInCareOfDetail/PhoneNum08475679151
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt033674 INDIAN TRAIL
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0EAU CLAIRE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd049111
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt080677
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0113866
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOfGoodsSoldAmt050849
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt030473
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01320
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0133051
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0163524
IRS990EZ/FundraisingGrossIncomeAmt03540
IRS990EZ/GrossProfitLossSlsOfInvntryAmt07080
IRS990EZ/GrossReceiptsAmt0140867
IRS990EZ/GrossReceiptsForPublicUseAmt0600
IRS990EZ/GrossSalesOfInventoryAmt057929
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt01600
IRS990EZ/InvestmentIncomeAmt02411
IRS990EZ/LandAndBuildingsGrp/BOYAmt034346
IRS990EZ/LandAndBuildingsGrp/EOYAmt034346
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt069752
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0133051
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0163524
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0133051
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0163524
IRS990EZ/OccupancyRentUtltsAndMaintAmt017894
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt02.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt32.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt40.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt60.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt7000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt81.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt91.00
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/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0DAVE DELGADO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1KATHY ELGHAMMER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2LISA GAMMON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3ROBERT CESARIO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4BARRY BOWSMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5BOB HEATHCOTE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6JIM DIETZ
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7MATT KLAUSNER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8MARGE BILDER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9ROBERT HAGUE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0COMMODORE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE COMMODO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt018028
IRS990EZ/OtherAssetsTotalDetail/EOYAmt015312
IRS990EZ/OtherExpensesTotalAmt025772
IRS990EZ/OtherRevenueTotalAmt07235
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0ORGANIZED TO ASSIST MEMBERS WHO SAIL AND OPERATE PLEASURE BOATS
IRS990EZ/PrintingPublicationsPostageAmt012854
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0LAUNCH RAMP AND GAS SALES TO FACILITATE USE OF THE LAKE
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1SOCIAL EVENTS FOR MEMBERS AND GUESTS
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt01705
IRS990EZ/SpecialEventsNetIncomeLossAmt01835
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt057840
IRS990EZ/TotalRevenueAmt088313
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ADVERTISING 4,858 OTHER REVENUE 1,767 FISHING DERBY 610 TOTAL 7,235
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES CREDIT CARD FEES 25 INTERNET & PHONE 659 SOFTWARE 1,582 MEETINGS 939 INSURANCE 5,104 SUPPLIES 671 BOAT EXPENSES 4,423 MISCELLANEOUS 5,230 FISHING DERBY 1,123 TREE CARVING 3,000 DONATION 300 NON-INVESTMENT DEPRECIATION 2,716 TOTAL 25,772
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OTHER ASSETS 9,608 9,608 BOATS 12,900 12,900 LESS ACCUMULATED DEPRECIATION 4,480 7,196 TOTAL 18,028 15,312
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 24
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT CESARIO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum08475679151
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0INDIAN LAKE YACHT CLUB
ReturnHeader/Filer/BusinessNameControlTxt0INDI
ReturnHeader/Filer/EIN0386111674
ReturnHeader/Filer/PhoneNum08475679151
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 888
ReturnHeader/Filer/USAddress/CityNm0DOWAGIAC
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049047
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0208171351
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WEBER & ASSOCIATES CPA'S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0314 N LAKE ST STE 1B
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0AURORA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0605064086
ReturnHeader/PreparerPersonGrp/PhoneNum06308974500
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GABRIELA FEDMASU
ReturnHeader/ReturnTs02026-02-23T17:38:59-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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