BRISTOL YACHT CLUB (EIN 050241995) - 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

1877

Legal Domicile

Principal Officer

Bob Millard

Phone

4012532922

Tax Period

2024-10-01 to 2025-09-30

BRISTOL YACHT CLUB, founded in 1877, is a small nonprofit that reported $915K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $820K left a modest 10% surplus.

Mission

To promote yachting, seamanship, aquatic sports, and social activities among its members.

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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 $544,043

Program Service Revenue $206,726

Investment Income $47,105

Other Revenue $116,928

TOTAL REVENUE $914,802

Expense Breakdown

Grants Paid $0

Salaries & Benefits $267,562

Fundraising Expenses $0

Program Expenses $0

Other Expenses $552,697

TOTAL EXPENSES $820,259

Year-over-Year Comparison

	2024	2023	Change
Revenue	$914,802	$807,707	+0.1%
Expenses	$820,259	$790,171	+0.0%
Net Income	$94,543	$17,536	+4.4%

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

Volunteers

150

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
Paul Redman	Commodore	10	Officer Director	$0	$0	$0
Bob Millard	Vice Commodore	5	Officer Director	$0	$0	$0
Barbara Petrocelli	Fleet Captain	5	Officer Director	$0	$0	$0
Roland Gendreau	Secretary	10	Officer Director	$0	$0	$0
Peter Maloney	Treasurer	10	Officer Director	$0	$0	$0
Charlie Payne	Grounds Chair	5	Officer Director	$0	$0	$0
Steve Barron	House Chair	5	Director	$0	$0	$0
Susan Grandpierre	Instructional Chair	5	Director	$0	$0	$0
Rachel Braun	Junior Chair	5	Director	$0	$0	$0
Lee Dawson	Membership Chair	5	Director	$0	$0	$0
Bob McLaughlin	Race Chair	5	Director	$0	$0	$0
Carole Mansur	Rear Commodore	5	Director Key Emp	$0	$0	$0
Brian Fitzgerald	Waterfront Chair	5	Director	$0	$0	$0
Mary Beth Taylor	Member at Large	5	Director	$0	$0	$0
Chris Brito	Member at Large	5	Director	$0	$0	$0
Joe Whelan	Past Commodore	5	Director	$0	$0	$0
Donna Bettencourt Glavin	Social Chair	5	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	$914,802	$820,259	$2,682,882	$94,543
2024	$807,707	$790,171	$2,612,984	$17,536
2023	$771,475	$695,880	$2,565,967	$75,595
2022	$716,093	$680,425	$2,469,155	$35,668
2021	$648,229	$772,397	$2,424,947	$-124,168
2020	$1,780,446	$663,856	$2,511,057	$1,116,590
2018	$578,014	$515,356	$2,027,209	$62,658

BRISTOL YACHT CLUB