PLYMOUTH YACHT CLUB

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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

1980

Legal Domicile

Principal Officer

BERNIE KAMP

Phone

5087467207

Tax Period

2024-10-01 to 2025-09-30

PLYMOUTH YACHT CLUB, founded in 1980, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum.

Mission

YACHT CLUB AND MARINA FOR RECREATION OF MEMBERS AND GUESTS.

Program Service Accomplishments

Program 1

Expenses: $1,338,677 Revenue: $1,337,336

CLUB HOUSE AND FUNCTION ROOM FOR MEMBERS AND SPONSORED GUESTS, PLUS PROGRAMS FOR APPROXIMATELY 315 MEMBERS AND THEIR CHILDREN INCLUDING SAILING AND WATERFRONT EDUCATION, SAFETY AND SUMMER CAMP.

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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 $0

Program Service Revenue $1,129,217

Investment Income $40,199

Other Revenue $208,119

TOTAL REVENUE $1,377,535

Expense Breakdown

Grants Paid $0

Salaries & Benefits $603,849

Fundraising Expenses $0

Program Expenses $1,338,677

Other Expenses $734,828

TOTAL EXPENSES $1,338,677

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,377,535	$1,136,857	+0.2%
Expenses	$1,338,677	$1,064,055	+0.3%
Net Income	$38,858	$72,802	-0.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BERNIE KAMP	COMMODORE	5.00	Officer Director	$0	$0	$0
JOHN LOCHRAN	VICE COMMODORE	1.00	Director	$0	$0	$0
RICHARD LANDRY	TREASURER	5.00	Officer Director	$0	$0	$0
JENNIFER MITCHELL	SECRETARY	5.00	Officer 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	$1,377,535	$1,338,677	$1,710,430	$38,858
2024	$1,136,857	$1,064,055	$1,645,247	$72,802
2023	$1,080,436	$1,004,683	$1,560,630	$75,753
2022	$1,111,692	$989,293	$1,482,453	$122,399
2021	$990,788	$1,043,286	$1,682,749	$-52,498
2019	$992,284	$873,897	$1,741,860	$118,387
2018	$1,025,009	$904,428	$1,673,356	$120,581