PENOBSCOT BAY YMCA (EIN 010211813) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1915

Legal Domicile

Principal Officer

WHITNEY FILES

Phone

2072363375

Tax Period

2024-01-01 to 2024-12-31

PENOBSCOT BAY YMCA, founded in 1915, is a community nonprofit in the Human Services sector that reported $5.3M in total revenue in fiscal year 2024. Revenue decreased 20% compared to the prior year. Net assets of $11.6M represent 26 months of operating reserves.

Mission

THE PENOBSCOT BAY YMCA IS A CORNERSTONE OF OUR HEALTHY COMMUNITY, FOSTERING PARTNERSHIPS, PROVIDING PROGRAMS AND SERVICES AND PROMOTING YOUTH DEVELOPMENT, HEALTHY LIVING AND SOCIAL RESPONSIBILITY TO IMPROVE THE QUALITY OF LIFE FOR EVERYONE.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,078,268

Program Service Revenue $4,011,585

Investment Income $148,721

Other Revenue $100,244

TOTAL REVENUE $5,338,818

Expense Breakdown

Grants Paid $130,506

Salaries & Benefits $3,815,615

Fundraising Expenses $162,944

Program Expenses $4,594,545

Other Expenses $1,675,993

TOTAL EXPENSES $5,622,114

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,338,818	$6,645,233	-0.2%
Expenses	$5,622,114	$5,424,271	+0.0%
Net Income	$-283,296	$1,220,962	-1.2%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✓ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

206

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✓ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$227,659

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA BABB-BROTT	CHIEF VOL. O	2.00	Officer	$0	$0	$0
BRIEN DAVIS	VICE CHIEF V	2.00	Officer	$0	$0	$0
REBECCA ALBRIGHT	SECRETARY	1.00	Officer	$0	$0	$0
WENDY JABLOW	TREASURER	1.00	Officer	$0	$0	$0
WHITNEY FILES	CEO	40.00	Officer	$130,837	$10,325	$141,162
JOHN ROBINSON	DIRECTOR OF	40.00	Officer	$85,923	$574	$86,497
ANNEMARIE AHEARN	DIRECTOR	1.00	Director	$0	$0	$0
MARK BATTISTA	DIRECTOR	1.00	Director	$0	$0	$0
TOM COCHRAN	DIRECTOR	1.00	Director	$0	$0	$0
ANDREA BABB CONOVER	DIRECTOR	1.00	Director	$0	$0	$0
SHERREE CRAIG	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN GORDON	DIRECTOR	1.00	Director	$0	$0	$0
JAN LETH	DIRECTOR	1.00	Director	$0	$0	$0
CHAD MACDERMID	DIRECTOR	1.00	Director	$0	$0	$0
RIC MCKITTRICK	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER MIRABILE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID MORTLOCK	DIRECTOR	1.00	Director	$0	$0	$0
KAREN REED	DIRECTOR	1.00	Director	$0	$0	$0
KEN WEXLER	DIRECTOR	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$5,338,818	$5,622,114	$13,068,329	$-283,296
2023	$6,645,233	$5,424,271	$13,022,765	$1,220,962
2022	$5,427,550	$4,717,665	$11,465,876	$709,885
2021	$4,267,385	$4,128,829	$11,714,416	$138,556
2020	$3,858,796	$4,109,453	$11,418,628	$-250,657
2019	$5,239,202	$5,257,592	$10,898,432	$-18,390
2018	$5,190,171	$5,379,006	$10,685,014	$-188,835

PENOBSCOT BAY YMCA