Liabilities / Assets
92nd percentile
Higher debt load relative to assets than 92% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.63x
Liabilities / Revenue
92nd percentile
Higher debt load relative to revenue than 92% of similar nonprofits.
Net Margin
63rd percentile
Higher net margin than 63% of similar nonprofits.
Top Officer Pay
92nd percentile
Higher top officer pay than 92% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
11th percentile
Faster asset growth than 11% of similar nonprofits.
Revenue Growth
42nd percentile
Faster revenue growth than 42% of similar nonprofits.
Balance Sheet
Assets
Down$54,435
Down $17,416 (-24%) from 2015
Net Assets
Up$20,122
Up $3,255 (+19%) from 2015
Liabilities
Down$34,313
Down $20,671 (-38%) from 2015
Revenue And Expenses
Revenue
Down$40,377
Down $753 (-1.8%) from 2015
Expenses
Down$37,122
Down $33,429 (-47%) from 2015
Net Income
Up$3,255
Up $32,676 (+111%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Mar 22, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $40,377
Mission and Program Overview
Mission
The saddle lake lot owners association provides up-keep and maintenance on the lake
Program Services
| Description | Grants | Expenses |
|---|---|---|
| THE SADDLE LAKE LOT OWNERS ASSOCIATION PROVIDES UP-KEEP AND MAINTENANCE ON THE LAKE | - | - |
| SADDLE LAKE LOT OWNERS ASSOCIATION STARTED A WELL PROJECT IN 2013. EACH LOT OWNER NEEDS TO PUT A WELL ON THEIR PROPERTY. THOSE THAT CAN AFFORD TO PAY FOR THE WELL ARE DOING SO. SADDLE LAKE TOOK OUT A LINE OF CREDIT TO HELP PAY FOR THE COSTS OF THE WELLS FOR THOSE WHO CANNOT AFFORD TO PUT ONE IN. | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| SCOTT CHERMAK | President | - | $0 | - | - |
| JOANNE LINDSEY | Secretary/Tr | - | $0 | - | - |
| BRUCE CIZIK | Board Member | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Saddle Lake Lot Owners Association
- EIN
- 46-2152715
- Phone
- 5705744683
- Address
- 21 W LAKE SHORE DR, TUNKHANNOCK, PA 18657-7773
Signing Officer
- Name
- Joanne Lindsey
- Title
- Secretary/treasurer
- Phone
- 5705744683
- Signed
- 2017-03-22
Preparer
- Firm
- Lochen and Chase Pc
- Address
- 83 E TIOGA ST STE 2, TUNKHANNOCK, PA 18657-1601
- Preparer
- Gordon W Chase CPA
- Phone
- 5708363868
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 16
“Expenses office expense 425 328 insurance 4,266 road expense 5,000 chemicals 4,800 water testing for dep 1,500 dam inspec & restoration 503 bank service charges 68 supplies 36 total 16,926”
Form 990-ez, Part II, Line 24
“Accounts receivable 40,345 29,147 total 40,345 29,147”
Form 990-ez, Part II, Line 26
“Unsecured notes and loans payable 54,984 34,313”
Form 990-ez, Part III
“The saddle lake lot owners association provides up-keep and maintenance on the lake”
Form 990-ez, Part III, Line 29
“Saddle lake lot owners association started a well project in 2013. Each lot owner needs to put a well on their property. Those that can afford to pay for the well are doing so. Saddle lake took out a line of credit to help pay for the costs of the wells for those who cannot afford to put one in.”
Raw XML Appendix107 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/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | JOANNE LINDSEY |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 5705744683 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 21 LAKE SHORE DRIVE |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | TUNKHANNOCK |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | PA |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 18657 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 31506 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 25288 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 3255 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 1406 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 71851 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 54435 |
| IRS990EZ/GrossReceiptsAmt | 0 | 40377 |
| IRS990EZ/GrossReceiptsForPublicUseAmt | 0 | 0 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InitiationFeesAndCapContriAmt | 0 | 0 |
| IRS990EZ/InvestmentIncomeAmt | 0 | 10 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 16867 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 20122 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 16867 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 20122 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 18790 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | SCOTT CHERMAK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | JOANNE LINDSEY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | BRUCE CIZIK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | SECRETARY/TR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | BOARD MEMBER |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 40345 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 29147 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 16926 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | THE SADDLE LAKE LOT OWNERS ASSOCIATION PROVIDES UP-KEEP AND MAINTENANCE ON THE LAKE |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 40367 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | THE SADDLE LAKE LOT OWNERS ASSOCIATION PROVIDES UP-KEEP AND MAINTENANCE ON THE LAKE |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | SADDLE LAKE LOT OWNERS ASSOCIATION STARTED A WELL PROJECT IN 2013. EACH LOT OWNER NEEDS TO PUT A WELL ON THEIR PROPERTY. THOSE THAT CAN AFFORD TO PAY FOR THE WELL ARE DOING SO. SADDLE LAKE TOOK OUT A LINE OF CREDIT TO HELP PAY FOR THE COSTS OF THE WELLS FOR THOSE WHO CANNOT AFFORD TO PUT ONE IN. |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 54984 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 34313 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 37122 |
| IRS990EZ/TotalRevenueAmt | 0 | 40377 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES OFFICE EXPENSE 425 328 INSURANCE 4,266 ROAD EXPENSE 5,000 CHEMICALS 4,800 WATER TESTING FOR DEP 1,500 DAM INSPEC & RESTORATION 503 BANK SERVICE CHARGES 68 SUPPLIES 36 TOTAL 16,926 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ACCOUNTS RECEIVABLE 40,345 29,147 TOTAL 40,345 29,147 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | UNSECURED NOTES AND LOANS PAYABLE 54,984 34,313 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE SADDLE LAKE LOT OWNERS ASSOCIATION PROVIDES UP-KEEP AND MAINTENANCE ON THE LAKE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | SADDLE LAKE LOT OWNERS ASSOCIATION STARTED A WELL PROJECT IN 2013. EACH LOT OWNER NEEDS TO PUT A WELL ON THEIR PROPERTY. THOSE THAT CAN AFFORD TO PAY FOR THE WELL ARE DOING SO. SADDLE LAKE TOOK OUT A LINE OF CREDIT TO HELP PAY FOR THE COSTS OF THE WELLS FOR THOSE WHO CANNOT AFFORD TO PUT ONE IN. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART III |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART III, LINE 29 |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JOANNE LINDSEY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | SECRETARY/TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5705744683 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-03-22 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | SADDLE LAKE LOT OWNERS ASSOCIATION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | SADD |
| ReturnHeader/Filer/EIN | 0 | 462152715 |
| ReturnHeader/Filer/PhoneNum | 0 | 5705744683 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 21 W LAKE SHORE DR |
| ReturnHeader/Filer/USAddress/CityNm | 0 | TUNKHANNOCK |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | PA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 186577773 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 1F7D24820099A71FA6BD6490F03629B97F8CE581 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | A85C216E6C7C415A4FB248E6F66A15FB391A81FE |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 920185356 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | LOCHEN AND CHASE PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 83 E TIOGA ST STE 2 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | TUNKHANNOCK |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | PA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 186571601 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5708363868 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2017-03-22 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | GORDON W CHASE CPA |
| ReturnHeader/ReturnTs | 0 | 2017-03-22T13:22:10+00:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2016-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2016-12-31 |
| ReturnHeader/TaxYr | 0 | 2016 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $54,435
- Liabilities
- $34,313
- Net assets
- $20,122
- Revenue
- $40,377
- Expenses
- $37,122
- Net income
- $3,255