Civic Intelligence

Echo Lakes Association

EIN 94-6103045 • 501(c)4 • Monterey, CA

Profile

Summer homeowners' association

2020 Via TaorminaMonterey, CA 93940

www.echolakenews.com

Siviq Scores

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

Liabilities / Assets

59th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Liabilities / Revenue

61st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Net Margin

16th percentile

-35%

Higher net margin than 16% of similar nonprofits.

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

Top Officer Pay

89th percentile

$0

Higher top officer pay than 89% of similar nonprofits.

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

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

Asset Growth

18th percentile

-43%

Faster asset growth than 18% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

98th percentile

312%

Faster revenue growth than 98% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$114,077

Down $87,529 (-43%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Down

$114,077

Down $87,529 (-43%) from 2024

Operations
Liabilities / Revenue61st percentileNet Margin16th percentile

Revenue

Up

$248,872

Up $188,413 (+312%) from 2024

Expenses

Up

$336,401

Up $275,848 (+456%) from 2024

Net Income

Down

-$87,529

Down $87,435 (-93016%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth18th percentile

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

$300K$200K$100K$0Assets 2011: $130,268Liabilities 2011: $02011Assets 2012: $138,187Liabilities 2012: $02012Assets 2019: $133,442Liabilities 2019: $02019Assets 2020: $140,081Liabilities 2020: $02020Assets 2021: $167,170Liabilities 2021: $0Net Assets 2021: $167,1702021Assets 2022: $180,200Liabilities 2022: $0Net Assets 2022: $180,2002022Assets 2023: $201,700Liabilities 2023: $0Net Assets 2023: $201,7002023Assets 2024: $201,606Liabilities 2024: $0Net Assets 2024: $201,6062024Assets 2025: $114,077Liabilities 2025: $0Net Assets 2025: $114,0772025

Highlighted filing

2025

Assets$114,077
Liabilities$0
Net Assets$114,077
Open 2025 Filing

Operations Trend

Revenue Growth98th percentile

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

$400K$200K$0-$200KRevenue 2011: $45,400Expenses 2011: $26,419Net Income 2011: $18,9812011Revenue 2012: $31,978Expenses 2012: $24,059Net Income 2012: $7,9192012Revenue 2019: $51,943Expenses 2019: $43,719Net Income 2019: $8,2242019Revenue 2020: $47,945Expenses 2020: $41,306Net Income 2020: $6,6392020Revenue 2021: $51,541Expenses 2021: $24,452Net Income 2021: $27,0892021Revenue 2022: $49,969Expenses 2022: $36,939Net Income 2022: $13,0302022Revenue 2023: $58,022Expenses 2023: $36,522Net Income 2023: $21,5002023Revenue 2024: $60,459Expenses 2024: $60,553Net Income 2024: -$942024Revenue 2025: $248,872Expenses 2025: $336,401Net Income 2025: -$87,5292025

Highlighted filing

2025

Revenue$248,872
Expenses$336,401
Net Income-$87,529
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$114,077
Liabilities
$0
Net assets
$114,077
Revenue
$248,872
Expenses
$336,401
Net income
-$87,529
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.14$0.00$1.14$2.49$3.36$0.88
2024Detailed filing. Detailed filing data is available for this year.$2.02$0.00$2.02$0.60$0.61$0.00
2023Detailed filing. Detailed filing data is available for this year.$2.02$0.00$2.02$0.58$0.37$0.22
2022Detailed filing. Detailed filing data is available for this year.$1.80$0.00$1.80$0.50$0.37$0.13
2021Detailed filing. Detailed filing data is available for this year.$1.67$0.00$1.67$0.52$0.24$0.27
2020Summary only. Only limited summary data is available for this year.$1.40$0.00$0.48$0.41$0.07
2019Summary only. Only limited summary data is available for this year.$1.33$0.00$0.52$0.44$0.08
2012Summary only. Only limited summary data is available for this year.$1.38$0.00$0.32$0.24$0.08
2011Summary only. Only limited summary data is available for this year.$1.30$0.00$0.45$0.26$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 15, 2026
Return Version
2025v4.0
Gross Receipts
$248,872
Mission and Program Overview

Mission

Summer homeowners' association

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$201,606$114,077▼ $87,529
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0--
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$201,606$114,077▼ $87,529
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0--
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$201,606$114,077▼ $87,529
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$201,606$114,077▼ $87,529
Total Liabilities and Net Assets / Fund Balance$201,606$114,077▼ $87,529
Compensation and Service Providers
Top Officer Pay89th percentile

Board Members and Trustees

NameTitle
Nat ReinkePresident
Jim DrennanVice President
Julie RuhleCorresponding Secretary
Helen ShambleRecording Secretary
John DureinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$248,019
Investment Income
$853
Other Revenue
$0
Change in Net Assets
$-87,529
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,856
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$329,545--$329,545
Insurance$6,856$0$0$6,856
Total Functional Expenses$336,401$0$0$336,401
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
Yes
Subject to proxy tax
Yes
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
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

“The organization is a Summer Homeowners' Association representing 141 summer homes around Echo Lake. Each cabin has one voting member.”

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

“Members of the Board of Directors are elected for staggered three-year terms by the general membership at the annual meeting of the Association.”

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

“Normally governing decisions are made by the Board of Directors, but occasionally an important matter may be presented to the general membership for a vote.”

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

“This Form 990 will not be reviewed prior to submission.”

Form 990, Part VI, Section C, Line 19

“The organization made its governing documents, conflict of interest policy, and financial statements available to the public "on request" during the tax year.”

Filing and Contact Details

Filer

Filer Name
Echo Lakes Association
EIN
94-6103045
Phone
8313730564
Address
2020 Via Taormina, Monterey, CA 93940

Signing Officer

Name
John Durein
Title
Treasurer
Phone
8313730564
Signed
2026-02-15

Organization Details

Principal Officer
John Durein
Formed
1948
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
0
Employees
0
Volunteers
11
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“The organization paid for the repair and rebuilding of a large public pier at Echo Lake.”

Raw XML AppendixShowing 400 of 542 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/PersonNm1Jim Drennan
IRS990/Form990PartVIISectionAGrp/PersonNm2John Durein
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
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IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0201606
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0114077
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt00
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherLiabilitiesGrp/BOYAmt00
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0John Durein
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0230000
IRS990/ProgramServiceRevenueGrp/BusinessCd1562110
IRS990/ProgramServiceRevenueGrp/BusinessCd2221300
IRS990/ProgramServiceRevenueGrp/Desc0Repair of public pier used by members
IRS990/ProgramServiceRevenueGrp/Desc1Provide trash collection and hauling for members
IRS990/ProgramServiceRevenueGrp/Desc2Provide collection and hauling of sewage
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0217808
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115248
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23825
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0217808
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115248
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23825
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide trash collection and hauling for 141 summer homes
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt015248
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Provide insurance for Echo Lakes Association and its board of directors and officers
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt06856
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProgSrvcAccomActyOtherGrp/Desc0NFH dues for members
IRS990/ProgSrvcAccomActyOtherGrp/Desc1Website expenses
IRS990/ProgSrvcAccomActyOtherGrp/Desc2Print and mail newsletters and Minutes of Association meetings + directories
IRS990/ProgSrvcAccomActyOtherGrp/Desc3Secretary stipends
IRS990/ProgSrvcAccomActyOtherGrp/Desc4Provide sewage collection and hauling for 141 summer homes
IRS990/ProgSrvcAccomActyOtherGrp/Desc5Arrange for and pay for our annual meeting, as required
IRS990/ProgSrvcAccomActyOtherGrp/Desc6Provide for TRPA boat stickers to Association members
IRS990/ProgSrvcAccomActyOtherGrp/Desc7Summer meeting expenses
IRS990/ProgSrvcAccomActyOtherGrp/Desc8Board expenses plus Miscellaneous
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt03000
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt199
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt21800
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt3350
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt43825
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt50
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt62280
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt72861
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt8200
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt00
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt10
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt20
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt30
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt40
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt50
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt60
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt70
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt80
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt00
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt10
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt20
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt30
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt40
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt50
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt60
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt70
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt80
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0105

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