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Morrison Lake Resort Association

Not tax-deductible

Saranac, MI501(c)(7)Since 1926Mutual / membership EIN 38-0852750Revenue $209K in FY2026Latest return filed Aug 4, 2026

On file with the IRSSaranac, MITax-exempt since Apr 1946

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Maintain common areas (ie:seawall, lakeside parks, roads, etc.) for Association members provide trash services to Association members

501(c)(7) social or recreational club; gifts are not tax-deductible as charitable contributions.
99¢ of each $1 spent went to programs.
Run by 7 volunteers.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2026 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(7)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2026
latest Form 990
Looks good: the latest return is for FY2026, this tax year; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
1 of 3
filings with a surplus
Average surplus $54K a year · 19% of revenue · last 3 filings
Worth a look: a surplus in 1 of the last 3 filings.
Pt I · Ln 19 · 3 filings
Spent on programs
99%
of spending
Looks good: 99% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
19 mo
of spending, in cash
Looks good: 19.1 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$0
0% of total assets
Looks good: liabilities are 0% of assets; 50% or less.
Pt X · Ln 26
Independent board members
0
of 70 voting members
Concern: none of 70 voting members are independent.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$209K
-35% vs prior year
Spent
$215K
To programs
99%
Net assets
$343K
By yearFY2022–FY2026
Revenue
$209K
FY2026▼ -35%
Tap a bar for its year
Revenue by fiscal year
FY2022$59K
FY2023$70K
FY2024$322K
FY2025$321K
FY2026$209K
Expenses
$215K
FY2026▼ -51%
Tap a bar for its year
Expenses by fiscal year
FY2022Not on file
FY2023Not on file
FY2024$37K
FY2025$438K
FY2026$215K
Net assets
$343K
FY2026▼ -2%
Tap a bar for its year
Net assets by fiscal year
FY2022$149K
FY2023$180K
FY2024$466K
FY2025$349K
FY2026$343K

From the FY2026 Form 990 (year ending February 2026) · see the original

990 PDF Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2026. IRS ruling in Apr 1946.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

99 cents of each dollar spent went to programs.

Program services 99% · $212K Management & general 1% · $3K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

Something off? Claim to add context

Who runs it and what they're paid

4 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2025); the FY2026 filing did not itemize Part VII
Todd Musser
President
$0Pt VII · Sec A
Harold Klemm
Vice Preside
$0Pt VII · Sec A
Kristen Nitz
Treasurer
$0Pt VII · Sec A
Angel Beemer
Director
$0Pt VII · Sec A
See Morrison Lake Resort Association executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo

Programs and updates

Maintains roads, parks, and lakefront seawalls for association members.

Questions for Morrison Lake Resort Association

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1 program · $212K · in their own filed words · FY2025
01

Maintain common areas (sea wall, lakeside parks & roads) provide trash services to association members

$212Kprogram expense

By the numbers

The FY2026 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$209K
Ln 12
Gifts and grantsLn 1h$203K
Investment incomeLn 3$6K
Money outPt IX
$215K
Ln 25
Programscol B$212K
Managementcol C$3K
Owns and owesPt X
$343K
net assets · Ln 32
Cash and savingsLn 1–2$343K
Total assetsLn 16$343K
LiabilitiesLn 26$0
PeoplePt VI, VII
4
listed · VII A
PaidVII A0
Voting boardVI 1a70
IndependentVI 1b0
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$203K
Investment incomeLn 3$6K
Total revenueLn 12$209K
Assets in detailPt X, end of year
CashLn 1$98K
SavingsLn 2$245K
Cash and savings togetherLn 1–2$343K
Total assetsLn 16$343K
LiabilitiesLn 26$0
Net assetsLn 32$343K
OperationsPt I, VI
EmployeesI 50
VolunteersI 67
Fiscal year endsHeaderFebruary
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY26End FY26
Cash and savingsLn 1–2$349K$343K
Total assetsLn 16$349K$343K
LiabilitiesLn 26$0$0
Net assetsLn 32$349K$343K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Legal feesLn 11b$5K$5K
Accounting feesLn 11c$3K$3K
Office expensesLn 13$289$15$274
OccupancyLn 16$203K$203K
InsuranceLn 23$4K$4K
Other expenses (24a–d)Ln 24$17$17
Total functional expensesLn 25$215K$212K$3K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2026 Latest ViewingFiled with the IRS Aug 4, 2026 $209K$215K−$6K$343K 990 PDF
FY2025Filed with the IRS Jul 7, 2025 $321K$438K−$117K$349K 990 PDF
FY2024Filed with the IRS Jul 6, 2024 $322K$37K$286K$466K 990 PDF
FY2023Filed with the IRS Jun 2, 2023 $70K$180K 990 PDF
FY2022Filed with the IRS Jun 7, 2022 $59K$149K 990 PDF

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2026 990 (6 parts)
Part I · Summary $209,115 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $313,426$202,885
I-9 Program service revenue$0
I-10 Investment incomePrior year $7,850$6,230
I-11 Other revenue$0
I-12 Total revenuePrior year $321,276$209,115
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefits$0
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $438,477$215,108
I-18 Total expensesPrior year $438,477$215,108
I-19 Revenue less expensesPrior year −$117,201−$5,993
Part VI · Governance 0 of 70 board members independent, 4 to look at
VI-1a Voting members of the governing body70
VI-1b Independent voting members0
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-15a Process for setting top official's payNo
VI-2 Family or business relationship among officers or directorsNo
Part VIII · Statement of revenue $209,115 across 4 lines filed
VIII-1b Membership dues$202,885
VIII-1h Total contributions, gifts and grants$202,885
VIII-3 Investment incomeRelated to mission $6,230$6,230
VIII-12 Total revenueRelated to mission $6,230$209,115
Part IX · Statement of functional expenses $215,108 across 6 lines filed
IX-11b Legal feesPrograms $5,474$5,474
IX-11c Accounting feesManagement $2,735$2,735
IX-13 Office expensesPrograms $15 · Management $274$289
IX-16 OccupancyPrograms $202,673$202,673
IX-23 InsurancePrograms $3,920$3,920
IX-24 Other expenses (24a–d)Programs $17$17
IX-25 Total functional expensesPrograms $212,099 · Management $3,009 · Fundraising $0$215,108
Part X · Balance sheet $342,871 assets, 7 lines filed
X-1 Cash, non-interest-bearingStart of year $41,097$97,803
X-2 Savings and temporary cash investmentsStart of year $307,767$245,068
X-16 Total assetsStart of year $348,864$342,871
X-26 Total liabilitiesStart of year $0$0
X-27 Net assets without donor restrictionsStart of year $348,864$342,871
X-32 Total net assets or fund balancesStart of year $348,864$342,871
X-33 Total liabilities and net assetsStart of year $348,864$342,871
Part XI · Reconciliation of net assets $342,871 net assets at year end
XI-1 Total revenue$209,115
XI-2 Total expenses$215,108
XI-3 Revenue less expenses−$5,993
XI-4 Net assets at start of year$348,864
XI-10 Net assets at end of year$342,871

Form 990 e-file (XML) FY2026 from the IRS · Classification, formation year and address from the IRS Business Master File

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