CUTTYHUNK YACHT CLUB INC (EIN 042213301) - 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

1956

Legal Domicile

Principal Officer

MICHAEL GUENTHER

Phone

4155198491

Tax Period

2025-01-01 to 2025-12-31

CUTTYHUNK YACHT CLUB INC, founded in 1956, is a small nonprofit that reported $260K in total revenue in fiscal year 2025. Revenue surged 172% from the prior year, signaling strong growth momentum. The organization ran a surplus of $128K, a strong 49% operating margin.

Mission

TEACH APPROXIMATELY 150 CHILDREN HOW TO SAIL IN VARIOUS WATERCRAFT

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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 $225,611

Program Service Revenue $2,450

Investment Income $7,598

Other Revenue $24,729

TOTAL REVENUE $260,388

Expense Breakdown

Grants Paid $0

Salaries & Benefits $32,107

Fundraising Expenses $0

Program Expenses $77,994

Other Expenses $100,017

TOTAL EXPENSES $132,124

Year-over-Year Comparison

	2025	2024	Change
Revenue	$260,388	$95,707	+1.7%
Expenses	$132,124	$121,273	+0.1%
Net Income	$128,264	$-25,566	-6.0%

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
ALEX HOLT	DIRECTOR	1.00	Director	$0	$0	$0
HANNA LYNCH	DIRECTOR	1.00	Director	$0	$0	$0
DIX LEESON	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA GARFIELD	DIRECTOR	1.00	Director	$0	$0	$0
WENDY ZIMBONE	DIRECTOR	1.00	Director	$0	$0	$0
TROY ESKELSON	DIRECTOR	1.00	Director	$0	$0	$0
LIZ WHIPPLE	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL GUENTHER	PRESIDENT	1.00	Officer	$0	$0	$0
ROBERT NIESET	TREASURER	1.00	Officer	$0	$0	$0
REBECCA HORNBACH	REAR COMMODORE	1.00	Officer	$0	$0	$0
ASHLEY GROFF	REAR COMMODORE	1.00	Officer	$0	$0	$0
ELIZABETH PREVOST	CLERK	1.00	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
2025	$260,388	$132,124	$494,272	$128,264
2024	$95,707	$121,273	$413,259	$-25,566
2023	$268,122	$96,520	$439,064	$171,602

CUTTYHUNK YACHT CLUB INC