VINEYARD HAVEN YACHT CLUB (EIN 041935747) - 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

1928

Legal Domicile

Principal Officer

Lorne Lewis

Phone

5086933080

Tax Period

2025-01-01 to 2025-12-31

VINEYARD HAVEN YACHT CLUB, founded in 1928, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $1.3M left a modest 11% surplus.

Mission

VHYC provides boating lessons, tennis lessons, and swimming lessons for children and adults on a membership basis

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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 $1,118,079

Program Service Revenue $263,506

Investment Income $63,074

Other Revenue $57,927

TOTAL REVENUE $1,502,586

Expense Breakdown

Grants Paid $0

Salaries & Benefits $783,834

Fundraising Expenses $0

Program Expenses $403,386

Other Expenses $552,049

TOTAL EXPENSES $1,335,883

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,502,586	$1,309,162	+0.1%
Expenses	$1,335,883	$1,213,458	+0.1%
Net Income	$166,703	$95,704	+0.7%

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

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

$172,700

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lorne Lewis	Chief Operating Officer	40	Officer	$172,700	$0	$172,700
Cameron Backman	Tennis Director	40	Highest	$123,571	$0	$123,571
Chris Smith	Operations Manager	40	Highest	$104,000	$0	$104,000
Laura Goldworm	Director	2	Director	$0	$0	$0
Michael Watts	President	20	Officer	$0	$0	$0
Jeff Schwarz	Vice President	5	Officer	$0	$0	$0
Nicole Rimpel	Clerk	5	Officer	$0	$0	$0
Nils Dahl	Treasurer	5	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
2025	$1,502,586	$1,335,883	$3,185,738	$166,703
2024	$1,309,162	$1,213,458	$3,109,852	$95,704
2023	$1,351,564	$1,177,894	$3,046,318	$173,670
2022	$1,411,273	$1,123,025	$2,940,041	$288,248
2021	$1,387,965	$1,074,428	$2,775,196	$313,537
2020	$1,129,305	$955,320	$2,540,752	$173,985
2019	$1,339,681	$1,104,129	$2,459,717	$235,552
2018	$1,218,393	$1,135,890	$2,287,365	$82,503

VINEYARD HAVEN YACHT CLUB