North Texas Senior Golf Association
 North Texas Senior Golf Association
 The NTSGA is a group of golfers, age 50 and up, who love the game of golf and practice the true spirit of the game.

North Texas Senior Golf Association Handicap Calculation

Handicap is Current as of June 25, 2025

Umberger, John 

Click on course to retrieve scorecard.

Date    Course    Tee    Rating    Slope    Gross Score    Adjusted Gross    Differential    Used?    
June 4, 2025    Waterchase Golf Club   White    68.2    123    93    93    22.8    N    
May 21, 2025    The Courses at Watters Creek   White    70.0    126    87    87    15.2    Y    
May 7, 2025    Bear Creek Golf Club (West)   Blue    71.5    137    95    95    19.4    Y    
April 9, 2025    Tierra Verde Golf Club   Green    67.4    120    89    89    20.3    N    
April 2, 2025    Grapevine Golf Course - Pecan and Mockingbird   White    70.2    127    93    93    20.3    N    
March 26, 2025    Buffalo Creek Golf Club   White    68.8    124    95    95    23.9    N    
March 19, 2025    Irving Golf Club   White    67.5    116    92    92    23.9    N    
March 12, 2025    Mansfield National Golf Club   Silver    68.2    117    89    89    20.1    Y    
February 26, 2025    Tangle Ridge Golf Club   White    69.3    128    89    89    17.4    Y    
February 5, 2025    Waterview Golf Club   Gold    68.5    115    98    98    29.0    N    
January 29, 2025    Texas Rangers Golf Club   Silver    68.7    122    94    94    23.4    N    
November 20, 2024    Grapevine Golf Course - Pecan and Mockingbird   White    70.2    127    95    95    22.1    N    
November 6, 2024    Sky Creek Ranch Golf Club   Blue    70.7    128    109    101    26.7    N    
October 30, 2024    Tierra Verde Golf Club   Green    67.4    120    87    87    18.5    Y    
October 16, 2024    Tangle Ridge Golf Club   White    69.3    128    90    90    18.3    Y    
October 9, 2024    Irving Golf Club   Blue    69.4    120    96    96    25.0    N    
October 2, 2024    Bridlewood Golf Club   White    69.3    123    92    92    20.9    N    
September 25, 2024    Buffalo Creek Golf Club   White    68.8    124    88    88    17.5    Y    
July 31, 2024    Tangle Ridge Golf Club   White    69.3    128    89    89    17.4    Y    
July 3, 2024    Luna Vista Golf Course   Yellow    68.2    120    94    93    23.4    N    
  Differential = (Adjusted Gross Score - Course Rating) x (113 / Slope) rounded to tenths              Average Differential:17.9750    
  Handicap Index = Average Differential rounded to tenths (maximum 54.0)              Handicap Index:18.0    
  Rounds Used = Lowest 8 out of last 20
  USGA Equitable Stroke Control (ESC) in effect from July 1, 2018 through December 31, 2019.              Low Handicap Index:18.4    06-19-2024
  World Handicap System (WHS) in effect since January 1, 2020.