Boston Harbor Yacht Club Inc (EIN 042310374) - 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

1962

Legal Domicile

Phone

6178617733

Tax Period

2025-01-01 to 2025-12-31

Boston Harbor Yacht Club Inc, founded in 1962, is a small nonprofit that reported $286K in total revenue in fiscal year 2025. Revenue surged 52% from the prior year, signaling strong growth momentum. The organization ran a surplus of $87K, a strong 30% operating margin.

Mission

Instruction of members and their familes in the knowledge and art of sailing and navigation

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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 $283,865

Program Service Revenue $0

Investment Income $2,047

Other Revenue $0

TOTAL REVENUE $285,912

Expense Breakdown

Grants Paid $0

Salaries & Benefits $23,897

Fundraising Expenses $0

Program Expenses $170,100

Other Expenses $175,448

TOTAL EXPENSES $199,345

Year-over-Year Comparison

	2025	2024	Change
Revenue	$285,912	$188,359	+0.5%
Expenses	$199,345	$193,974	+0.0%
Net Income	$86,567	$-5,615	-16.4%

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

N/A

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
Darcy Bento Degroen	Financial Secretary	20.00	Officer Director	$0	$0	$0
Michael Lynch	Director	20.00	Officer Director	$0	$0	$0
Bill Tracy	Vice Commodore	20.00	Officer Director	$0	$0	$0
Jane Hayes-Handrahan	Rear Commodore	20.00	Officer Director	$0	$0	$0
Brian Kelley	Fleet Captain	20.00	Officer Director	$0	$0	$0
Fr Jim DiPerri	Chaplain	20.00	Officer Director	$0	$0	$0
Brian Kearney	Chief Steward	20.00	Officer Director	$0	$0	$0
Paul McDonough	President	2.00	Officer	$0	$0	$0
Emily Burke	Treasurer	2.00	Officer	$0	$0	$0
Michael Lynch	Clerk	2.00	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	$285,912	$199,345	$323,386	$86,567

Boston Harbor Yacht Club Inc