STAGE HARBOR YACHT CLUB (EIN 042392815) - 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

1938

Legal Domicile

Principal Officer

CHRISTOPHER RITCHIE

Phone

5089452200

Tax Period

2024-01-01 to 2024-12-31

STAGE HARBOR YACHT CLUB, founded in 1938, is a small nonprofit that reported $448K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $499K exceeded revenue, resulting in a 11% operating deficit.

Mission

TO PROMOTE THE ART OF SAILING.

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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 $445,557

Investment Income $30

Other Revenue $2,000

TOTAL REVENUE $447,587

Expense Breakdown

Grants Paid $0

Salaries & Benefits $33,460

Fundraising Expenses $0

Other Expenses $465,467

TOTAL EXPENSES $498,927

Year-over-Year Comparison

	2024	2023	Change
Revenue	$447,587	$395,658	+0.1%
Expenses	$498,927	$424,726	+0.2%
Net Income	$-51,340	$-29,068	+0.8%

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

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
KEVIN CASSIDY	TREASURER	25.00	Officer Director	$0	$0	$0
BILL DRISCOLL	ASSIT VICE P	15.00	Officer Director	$0	$0	$0
MICHAEL HEARLE	ASST VICE PR	15.00	Officer Director	$0	$0	$0
CHRISTOPHER RITCHIE	PRESIDENT	15.00	Officer Director	$0	$0	$0
TRUDE GOODMAN TIESI	CLERK	15.00	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
2024	$447,587	$498,927	$479,665	$-51,340
2023	$395,658	$424,726	$529,667	$-29,068
2022	$367,818	$360,836	$559,472	$6,982
2021	$373,837	$213,065	$558,124	$160,772
2020	$248,833	$253,949	$394,494	$-5,116
2018	$272,124	$211,386	$545,798	$60,738

STAGE HARBOR YACHT CLUB