LAKE CHAMPLAIN YACHT CLUB (EIN 030135975) - 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

1887

Legal Domicile

Principal Officer

John Stetson

Phone

8029220557

Tax Period

2025-01-01 to 2025-12-31

LAKE CHAMPLAIN YACHT CLUB, founded in 1887, is a small nonprofit that reported $344K in total revenue in fiscal year 2025. Expenses of $327K left a modest 5% surplus.

Mission

To provide a sailing school to promote sailboat racing and general boating activities.

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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 (2025)

Revenue Breakdown

Contributions & Grants $226,705

Program Service Revenue $108,605

Investment Income $8,560

Other Revenue $0

TOTAL REVENUE $343,870

Expense Breakdown

Grants Paid $0

Salaries & Benefits $79,501

Fundraising Expenses $0

Program Expenses $333,824

Other Expenses $247,351

TOTAL EXPENSES $326,852

Year-over-Year Comparison

	2025	2024	Change
Revenue	$343,870	$333,162	+0.0%
Expenses	$326,852	$285,576	+0.1%
Net Income	$17,018	$47,586	-0.6%

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

Volunteers

180

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Stetson	Commodore	10.00	Officer	$0	$0	$0
Thomas A Porter	Treasurer	5.00	Officer	$0	$0	$0
Amy Caldwell	Secretary	5.00	Officer	$0	$0	$0
Ben Durant	Vice Commodore	3.00	Officer	$0	$0	$0
Kevin Hawko	Rear Commodore	3.00	Officer	$0	$0	$0
Erik Filkorn	Stewards Chair	3.00	Director	$0	$0	$0
Robert Finn	Boats Chair	3.00	Director	$0	$0	$0
Doug Hamilton	Harbor Master	3.00	Director	$0	$0	$0
Gene Cloutier	Docks Chair	3.00	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
2025	$343,870	$326,852	$856,119	$17,018
2024	$333,162	$285,576	$704,355	$47,586
2023	$272,522	$269,350	$647,545	$3,172
2022	$260,842	$256,051	$647,203	$4,791
2021	$241,846	$233,985	$641,963	$7,861
2020	$217,468	$189,555	$634,738	$27,913
2019	$264,595	$258,435	$605,051	$6,160

LAKE CHAMPLAIN YACHT CLUB