Fund balance, end of each year
In the blackIn the red (borrowing)
Coming in and going out
Money inMoney out
This page follows the Board's capital plan through each year: the up-front assessment and monthly capital dues coming in, $8.8M of projects going out, and the promise of no borrowing. It starts from an estimated 725 members, and every input below can be changed.
It opens on the Board's proposal, exactly as presented. Pick a scenario below, change the settings, or edit the project list, and every figure updates in real time. Use it to see what the member assessment would really need to be to accomplish the plan.
Try it: raise the assessment, change how many members leave, add a price increase or move a project to a different year, then watch the shortfall, the dues timeline and the roadmap change.
Everything begins at the Board's figures and an estimated member count. Try changing any number below and watch the outcome update across the page.
A 10% departure rate is the working estimate here, and it matches the Board's own stress test. Anyone who leaves pays no assessment and no capital dues.
When each Board project is scheduled, what that year costs, and the fund balance afterward.
Costs shown in today's dollars. "Cost this year" adds any price increase and overrun allowance from Settings. "Balance after" is the fund after that year's work.
At the Board's capital plan meeting, dues were described as continuing each month until the fund reaches $3M. The Board's own timeline is 7–9 years.
Carries the cash flow beyond Year 9 using only dues and interest, with no new projects. Routine replacements and the $1.8M already owed would delay the end further.
Both would repair the Club. Only one puts the cost, the work and the risk on members.
| Question | Path ASelf-funded capital plan | Path BConcert proposal |
|---|---|---|
| Investment | $8.8M of projects, assuming the funding arrives. | $10.7M in value: $5M of near-term improvements, $2M toward greens, $1.8M of debt paid off and roughly $2M of member obligations taken on. |
| Paid by | Members: presented as $15,800 per Full member over 9 years, nearer $25,400 if dues run until a $3M reserve (about 17 years). | Concert |
| Current debt | Remains. No payoff plan has been shown for the $1.8M. | Paid off ($1.8M) |
| Greens | Unfunded; the 2024 Master Plan prices them at $2.5M. | $2M set aside for USGA-grade greens. |
| Monthly dues | Up roughly 5% already, with capital dues added on top. | Frozen for a year, then linked to CPI or similar local clubs. |
| Shortfall risk | Falls on members. The fund dips as low as −$2.8M, pointing to a loan or another assessment. | Falls on Concert |
| Future use | Protected: 25-year deed restrictions recorded in York County. | Protected by the same deed restrictions. |
| Decision-making | Member votes, including for projects above $250K. | Advisory role for members; Concert makes the calls. This is the tradeoff. |
Concert numbers come from the published proposal summary. The shortfall figure assumes the Board's settings and 10% leaving.
Control is worth something. It also costs something.
Bring Concert back to the table.
Nothing gets signed now. A second vote reopens talks with Concert, and members decide again knowing the full numbers.
Set the assessment to match the work.
Timing follows the Board's roadmap. Because the Board hasn't priced individual projects, known items come from the Club's 2025 long-range plan, while the clubhouse and kitchen split what's left of the $8.8M. Every row is editable.
Edits here flow into Projects by Year.
Up-front assessment plus 108 monthly payments. At the Board's rates these equal its own totals of $15,800, $12,100 and $7,940. Try other rates in Settings.
| Tier | Approx. count |
|---|---|
| Full | ~295 |
| Junior Full | ~41 |
| Sports | ~160 |
| Social | ~191 |
| Other | ~38 |
| Total | ~725 |
Approximations based on the certified vote of May 2026. Junior Full and "Other" members pay the Full rate by default, which works in the Board's favor.