QUINCY YACHT CLUB (EIN 041753250) - 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

1874

Legal Domicile

Principal Officer

JANICE O'DONNELL

Phone

6174716136

Tax Period

2022-11-01 to 2023-10-31

QUINCY YACHT CLUB, founded in 1874, is a small nonprofit in the Recreation & Sports sector that reported $181K in total revenue in fiscal year 2022. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $235K exceeded revenue, resulting in a 30% operating deficit.

Mission

PROVIDE YACHTING SERVICES TO ITS MEMBERSHIP

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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 (2022)

Revenue Breakdown

Contributions & Grants $122,805

Program Service Revenue $0

Investment Income $127

Other Revenue $57,824

TOTAL REVENUE $180,756

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,247

Fundraising Expenses $0

Program Expenses $223,976

Other Expenses $220,585

TOTAL EXPENSES $234,832

Year-over-Year Comparison

	2022	2021	Change
Revenue	$180,756	$252,341	-0.3%
Expenses	$234,832	$217,670	+0.1%
Net Income	$-54,076	$34,671	-2.6%

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

N/A

Employees

Volunteers

N/A

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
DAN KENNEY	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTIAN PERRY	DIRECTOR	2.00	Director	$0	$0	$0
DAN SAULT	DIRECTOR	2.00	Director	$0	$0	$0
KEVIN GOMEZ	DIRECTOR	2.00	Director	$0	$0	$0
PETER SAULT	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM FITZGERALD	COMMODORE	10.00	Officer	$0	$0	$0
JOHN URBANUS	VICE COMMODORE	10.00	Officer	$0	$0	$0
JANICE O'DONNELL	TREASURER	10.00	Officer	$0	$0	$0
DEBBIE STEWART	SECRETARY	5.00	Officer	$0	$0	$0
THERESA DUNN	ASST CLERK	5.00	Officer	$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	No data	No data	No data	No data
2023	$180,756	$234,832	$1,503,088	$-54,076

QUINCY YACHT CLUB