Civic Intelligence

Ridgewood Country Club

EIN 74-1049861 • 501(c)7 • Waco, TX

View Organization Page

Profile

The purpose for which the club is formed is not to make profit, but to own, establish and maintain a social organization with clubhouse, golf course, swimming pool, tennis courts, marina, and such other recreational facilities as may from time to time be authorized by the directors of the club.

PO Box 7277Waco, TX 76714-7277

www.ridgewoodwaco.com

Siviq Scores

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

Liabilities / Assets

67th percentile

0.45x

Higher debt load relative to assets than 67% of similar nonprofits.

501(c)7 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

57th percentile

0.71x

Higher debt load relative to revenue than 57% of similar nonprofits.

501(c)7 • $10M-$25M nonprofits • Source year 2024

Net Margin

32nd percentile

1.5%

Higher net margin than 32% of similar nonprofits.

501(c)7 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

83rd percentile

$333,838

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

501(c)7 • $10M-$25M nonprofits • Source year 2024

Asset Growth

11th percentile

-3.9%

Faster asset growth than 11% of similar nonprofits.

501(c)7 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

11th percentile

-7.1%

Faster revenue growth than 11% of similar nonprofits.

501(c)7 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$16,185,601

Down $664,245 (-3.9%) from 2023

Liabilities

Down

$7,338,481

Down $866,261 (-11%) from 2023

Net Assets

Up

$8,847,120

Up $202,016 (+2.3%) from 2023

Operations
Liabilities / Revenue57th percentileNet Margin32nd percentile

Revenue

Down

$10,367,400

Down $792,832 (-7.1%) from 2023

Expenses

Up

$10,207,268

Up $1,018,616 (+11%) from 2023

Net Income

Down

$160,132

Down $1,811,448 (-92%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth11th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $10,035,336Liabilities 2010: $2,741,123Net Assets 2010: $7,294,2132010Assets 2011: $14,563,430Liabilities 2011: $8,415,486Net Assets 2011: $6,147,9442011Assets 2012: $13,804,331Liabilities 2012: $7,389,685Net Assets 2012: $6,414,6462012Assets 2013: $13,157,041Liabilities 2013: $6,839,759Net Assets 2013: $6,317,2822013Assets 2014: $12,722,362Liabilities 2014: $6,278,888Net Assets 2014: $6,443,4742014Assets 2015: $12,221,427Liabilities 2015: $5,737,890Net Assets 2015: $6,483,5372015Assets 2016: $10,778,763Liabilities 2016: $4,146,747Net Assets 2016: $6,632,0162016Assets 2017: $10,195,792Liabilities 2017: $3,512,764Net Assets 2017: $6,683,0282017Assets 2018: $11,158,900Liabilities 2018: $4,356,338Net Assets 2018: $6,802,5622018Assets 2019: $10,344,258Liabilities 2019: $4,824,808Net Assets 2019: $5,519,4502019Assets 2020: $9,658,829Liabilities 2020: $4,078,111Net Assets 2020: $5,580,7182020Assets 2021: $10,116,085Liabilities 2021: $4,333,854Net Assets 2021: $5,782,2312021Assets 2022: $11,556,750Liabilities 2022: $4,951,498Net Assets 2022: $6,605,2522022Assets 2023: $16,849,846Liabilities 2023: $8,204,742Net Assets 2023: $8,645,1042023Assets 2024: $16,185,601Liabilities 2024: $7,338,481Net Assets 2024: $8,847,1202024

Highlighted filing

2024

Assets$16,185,601
Liabilities$7,338,481
Net Assets$8,847,120
Open 2024 Filing

Operations Trend

Revenue Growth11th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $3,717,2362010Expenses 2011: $3,725,9412011Expenses 2012: $4,276,1342012Revenue 2013: $4,179,635Expenses 2013: $4,335,905Net Income 2013: -$156,2702013Revenue 2014: $4,671,638Expenses 2014: $4,590,884Net Income 2014: $80,7542014Revenue 2015: $5,094,657Expenses 2015: $5,097,122Net Income 2015: -$2,4652015Revenue 2016: $5,106,778Expenses 2016: $5,006,237Net Income 2016: $100,5412016Revenue 2017: $5,468,365Expenses 2017: $5,470,464Net Income 2017: -$2,0992017Revenue 2018: $8,303,365Expenses 2018: $8,255,549Net Income 2018: $47,8162018Revenue 2019: $8,662,652Expenses 2019: $8,629,772Net Income 2019: $32,8802019Revenue 2020: $8,202,847Expenses 2020: $8,201,372Net Income 2020: $1,4752020Revenue 2021: $9,155,703Expenses 2021: $9,027,113Net Income 2021: $128,5902021Revenue 2022: $9,677,160Expenses 2022: $8,946,830Net Income 2022: $730,3302022Revenue 2023: $11,160,232Expenses 2023: $9,188,652Net Income 2023: $1,971,5802023Revenue 2024: $10,367,400Expenses 2024: $10,207,268Net Income 2024: $160,1322024

Highlighted filing

2024

Revenue$10,367,400
Expenses$10,207,268
Net Income$160,132
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$16,185,601
Liabilities
$7,338,481
Net assets
$8,847,120
Revenue
$10,367,400
Expenses
$10,207,268
Net income
$160,132
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$16.2$7.34$8.85$10.4$10.2$0.16
2023Detailed filing. Detailed filing data is available for this year.$16.8$8.20$8.65$11.2$9.19$1.97
2022Detailed filing. Detailed filing data is available for this year.$11.6$4.95$6.61$9.68$8.95$0.73
2021Detailed filing. Detailed filing data is available for this year.$10.1$4.33$5.78$9.16$9.03$0.13
2020Detailed filing. Detailed filing data is available for this year.$9.66$4.08$5.58$8.20$8.20$0.00
2019Detailed filing. Detailed filing data is available for this year.$10.3$4.82$5.52$8.66$8.63$0.03
2018Detailed filing. Detailed filing data is available for this year.$11.2$4.36$6.80$8.30$8.26$0.05
2017Detailed filing. Detailed filing data is available for this year.$10.2$3.51$6.68$5.47$5.47$0.00
2016Detailed filing. Detailed filing data is available for this year.$10.8$4.15$6.63$5.11$5.01$0.10
2015Detailed filing. Detailed filing data is available for this year.$12.2$5.74$6.48$5.09$5.10$0.00
2014Detailed filing. Detailed filing data is available for this year.$12.7$6.28$6.44$4.67$4.59$0.08
2013Detailed filing. Detailed filing data is available for this year.$13.2$6.84$6.32$4.18$4.34$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$7.39$6.41$4.28
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.6$8.42$6.15$3.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.0$2.74$7.29$3.72
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$11,798,617
Mission and Program Overview

Mission

To provide our membership with superior social and recreational experiences by offering the finest staff, services, and activities. "ridgewood country club, the superior experience."

The purpose for which the club is formed is not to make profit, but to own, establish and maintain a social organization with clubhouse, golf course, swimming pool, tennis courts, marina, and such other recreational facilities as may from time to time be authorized by the directors of the club.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$12,905,822$12,853,440▼ $52,382
Accounts Receivable$2,005,165$1,134,330▼ $870,835
Cash and Non-Interest-Bearing Accounts$494,132$910,507▲ $416,375
Savings and Temporary Cash Investments$977,053$798,974▼ $178,079
Inventories for Sale or Use$254,896$269,818▲ $14,922
Prepaid Expenses and Deferred Charges$203,319$161,849▼ $41,470
Total Assets$16,849,846$16,185,601▼ $664,245
Other Assets Total$9,459$56,683▲ $47,224
Liabilities
Mortgage Notes Payable Secured by Investment Property$4,311,809$4,152,085▼ $159,724
Deferred Revenue$2,208,442$1,847,370▼ $361,072
Other Liabilities$1,108,810$934,551▼ $174,259
Accounts Payable and Accrued Expenses$575,681$404,475▼ $171,206
Total Liabilities$8,204,742$7,338,481▼ $866,261
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$8,645,104$8,847,120▲ $202,016
Total Net Assets Fund Balance$8,645,104$8,847,120▲ $202,016
Total Liabilities and Net Assets / Fund Balance$16,849,846$16,185,601▼ $664,245

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$10,194,180$8,830,274$19,024,454
Buildings$1,937,623$9,287,089$11,224,712
Land$721,637-$721,637

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$375,664$2,244,025▲ $3,869$2,186,987$436,571
2023$366,326$1,786,129▲ $1,239$1,778,030$375,664
2022$415,307$1,174,741▲ $1,119$1,224,841$366,326
2021$402,344$1,073,509▲ $1,100$1,061,646$415,307
2020$320,240$952,971▲ $1,382$872,249$402,344
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
William HortonGeneral ManagerFT$260,400$73,438$333,838
Jon SniderGolf Course SuperintendentFT$164,876$47,931$212,807
James CunninghamHead Golf ProFT$131,603$69,082$200,685
Michael CowanControllerFT$136,459$61,242$197,701
Tara TurnerAsst Manager - SalesFT$87,674$90,921$178,595
Julien CuratellaTennis ProFT$132,300$10,579$142,879
David HillFitness DirectorFT$117,905$19,306$137,211
Todd RodgersExecutive ChefFT$100,954$14,284$115,238

Board Members and Trustees

NameTitle
Andy Mcswain April - DecemberPast President
Jim Bowen January-marchPast President
Andy Mcswain January - MarchPresident
Jim Therrell April - DecemberPresident
Jim Therrell January - MarchVice President
Matt Morrison April - DecemberVice President
Aimee Wood January - DecemberDirector
Bart Romig January - MarchDirector
Ben Lacy April - DecemberDirector
Cary Dupuy January - MarchDirector
Dr Martin Starr January - DecemberDirector
EVAN O'DONNELL APRIL - DECEMBERDirector
Gary Hornung January - DecemberDirector
Jerry Miller January - DecemberDirector
John Stephens January - DecemberDirector
Kem Barrett January - DecemberDirector
Kevin Poynter January - MarchDirector
Lauren Beard April - DecemberDirector
Mark Mclean January- DecemberDirector
Robert Deaton January - MarchDirector
Roger Lowe Jr April - DecemberDirector
Taylor Bledsoe April - DecemberDirector
Weldon Ratliff January - MarchDirector
Madison Goss January - DecemberJunior Representative
Cary Dupuy April - DecemberSecretary/treasurer
Matt Morrison January - MarchSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
United Healthcare Insurance CompanyHealth Ins PremiumsP O BOX 94017, Palatine, IL 60094-4017$442,512
4c's WeldingWelding Contractor817 JACKSON ST, Mcgregor, TX 76657$135,660
Revenue and Support

Revenue Composition

Contributions and Grants
$7,566,573
Program Service Revenue
$810,802
Investment Income
$18,017
Other Revenue
$1,972,008
Change in Net Assets
$160,132

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,994,898
Revenue Not Reported on Financial Statements
$372,502
Revenue Not Reported on Form 990
$1,398,746
Other Revenue Adjustments
$372,502
Total Revenue per Audited Statements
$11,393,644
Total Revenue per Form 990
$10,367,400
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$5,947,230
Other Expenses$4,260,038
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,845,092$677,776-$4,522,868
Depreciation Depletion$1,413,556$17,689-$1,431,245
Occupancy$1,192,098$79,030-$1,271,128
Current Officers, Directors, Trustees, and Key Employees$444,753$86,788-$531,541
Other Employee Benefits$401,459$63,988-$465,447
Office Expenses$381,617$46,561-$428,178
Payroll Taxes$341,000$57,060-$398,060
Insurance$285,549$22,518-$308,067
Fees for Services Other$218,234$18,489-$236,723
Interest$197,261$26,056-$223,317
Pension Plan Contributions$19,216$10,098-$29,314
Fees for Services Accounting-$26,350-$26,350
Other Expenses$19,065$2,518-$21,583
Fees for Services Legal-$14,833-$14,833
Conferences and Meetings$3,507$200-$3,707
Total Functional Expenses$9,013,290$1,193,978$0$10,207,268

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$11,233,512
Total Expenses per Form 990$10,207,268
Expenses per Audited Statements$9,834,766
Expenses Not Reported on Form 990$1,398,746
Expenses Not Reported on Financial Statements$372,502
Other Expense Adjustments$372,502
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Payroll & Sales Taxes$856,314
Other Accrued Liabilities$78,237
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members purchase shares in the club at various levels. At the end of 2024, there were 405 shareholder members.”

Form 990, Part VI, Section A, Line 7A

“The board of directors are selected by the member stockholders.”

Form 990, Part VI, Section A, Line 7B

“Certain actions taken by the board of directors require approval from the stockholders before they can be implemented.”

Form 990, Part VI, Section B, Line 11B

“Independent cpa presents the form 990 to the board of directors before it is signed and filed.”

Form 990, Part VI, Section B, Line 15

“Oral and written review and evaluations prepared by department heads for all employees annually.”

Form 990, Part VI, Section C, Line 19

“Governing documents, policies, financial statements, and form 990 are available at the annual stockholder meeting in march and also upon written request.”

Filing and Contact Details

Filer

Filer Name
Ridgewood Country Club
EIN
74-1049861
Phone
2547720160
Address
PO BOX 7277, WACO, TX 76714-7277

Signing Officer

Name
Jim Therrell
Title
President
Phone
2547720160
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jim Therrell
Formed
1946
Legal Domicile
TX
Voting Board Members
16
Independent Board Members
16
Employees
263
Volunteers
0

Preparer

Firm
Pattillo Brown & Hill Llp
Address
P O BOX 20725, WACO, TX 76702-0725
Preparer
Mike Lucas CPA
Phone
2547724901
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Capital stock issued or subscribed 80,707. Capital stock surrendered and re-issued, net -38,823.”

FORM 990, PART XI, LINE 2C:

“Process has not changed from prior year.”

Financial Statement Notes

PART V, LINE 4:

“These funds are capital dues set aside for capital expenditures that must be approved by the board of directors.”

PART X, LINE 2:

“The club is exempt from federal income tax under section 501(c)(7) of the internal revenue code. However, income from certain activities not directly related to the club's tax-exempt purpose may be subject to taxation as unrelated business income. The club had unrelated business income from its investments in the years ended december 31, 2023 and 2022. Any associated income tax expense was not material to the club for the years ended december 31, 2023 and 2022, as the taxes were mostly offset by available credits. There were no uncertain tax positions. The club's income tax filings are subject to examination by the internal revenue service ("irs") generally for three years after it is filed.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Cost of sales offset against revenue on 990 1,398,746.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Gain on disposal of assets included in revenue on 990 -32,471. Insurance proceeds offset against expenses in audit 402,563. Bad debt collections offset against expenses in audit 2,410.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Cost of sales offset against revenue on 990 1,398,746.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Gain on disposal of assets included in revenue on 990 -32,471. Insurance proceeds offset against expenses in audit 402,563. Bad debt collections offset against expenses in audit 2,410.”

Raw XML AppendixShowing 400 of 827 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PAST PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4PAST PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19JUNIOR REPRESENTATIVE
IRS990/Form990PartVIISectionAGrp/TitleTxt20PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt21VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt22SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26GENERAL MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt27CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt28HEAD GOLF PRO
IRS990/Form990PartVIISectionAGrp/TitleTxt29GOLF COURSE SUPERINTENDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt30TENNIS PRO
IRS990/Form990PartVIISectionAGrp/TitleTxt31ASST MANAGER - SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt32FITNESS DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt33EXECUTIVE CHEF
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IRS990/MissionDesc0THE PURPOSE FOR WHICH THE CLUB IS FORMED IS NOT TO MAKE PROFIT, BUT TO OWN, ESTABLISH AND MAINTAIN A SOCIAL ORGANIZATION WITH CLUBHOUSE, GOLF COURSE, SWIMMING POOL, TENNIS COURTS, MARINA, AND SUCH OTHER RECREATIONAL FACILITIES AS MAY FROM TIME TO TIME BE AUTHORIZED BY THE DIRECTORS OF THE CLUB.
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