OCEAN COMMUNITY YMCA (EIN 050268126) - 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

1928

Legal Domicile

Principal Officer

SHEILA LITTY

Phone

4015962894

Tax Period

2025-01-01 to 2025-12-31

OCEAN COMMUNITY YMCA, founded in 1928, is a mid-sized nonprofit in the Human Services sector that reported $12.7M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $11.2M left a modest 12% surplus.

Mission

TO PUT CHRISTIAN PRINCIPLES INTO PRACTICE THROUGH PROGRAMS THAT BUILD HEALTH, SPIRIT, MIND AND BODY FOR ALL.

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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 $2,308,565

Program Service Revenue $10,039,932

Investment Income $163,412

Other Revenue $179,348

TOTAL REVENUE $12,691,257

Expense Breakdown

Grants Paid $826,699

Salaries & Benefits $5,704,889

Fundraising Expenses $408,840

Program Expenses $9,093,475

Other Expenses $4,665,524

TOTAL EXPENSES $11,197,112

Year-over-Year Comparison

	2025	2024	Change
Revenue	$12,691,257	$11,551,237	+0.1%
Expenses	$11,197,112	$10,498,297	+0.1%
Net Income	$1,494,145	$1,052,940	+0.4%

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

515

Volunteers

450

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

$723,612

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARAH KELLY	CHAIR AS OF 04/2025	1.00	Officer Director	$0	$0	$0
WILLIAM NARDONE	VICE CHAIR AS OF 04/2025	1.00	Officer Director	$0	$0	$0
EDWARD SULLIVAN	TREASURER	1.00	Officer Director	$0	$0	$0
HENRIETTA TRACHSEL	SECRETARY AS OF 04/2025	1.00	Officer Director	$0	$0	$0
JILL SCOLA	SECRETARY UNTIL 04/2025	1.00	Officer Director	$0	$0	$0
CARLY CALLAHAN	BOARD MEMBER	1.00	Director	$0	$0	$0
SERGIO CHERENZIA	BOARD MEMBER	1.00	Director	$0	$0	$0
CRAIG EATON	BOARD MEMBER	1.00	Director	$0	$0	$0
PAUL FOYE	BOARD MEMBER	1.00	Director	$0	$0	$0
DAN FITZGERALD	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHEN GREENE	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES MAYNARD	BOARD MEMBER	1.00	Director	$0	$0	$0
JULIE PALMER	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER CODURI ROSS	BOARD MEMBER	1.00	Director	$0	$0	$0
ED SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
ROB VALENTI	BOARD MEMBER	1.00	Director	$0	$0	$0
JOANNA WILLIAMS	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF LIGUORI	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTEN DISANTO	BOARD MEMBER AS OF 04/2025	1.00	Director	$0	$0	$0
JEFF FRENETTE	BOARD MEMBER AS OF 04/2025	1.00	Director	$0	$0	$0
THOMAS KEARNEY	BOARD MEMBER AS OF 04/2025	1.00	Director	$0	$0	$0
MATT SPRING	BOARD MEMBER AS OF 04/2025	1.00	Director	$0	$0	$0
CHARLEY KELLOGG	BOARD MEMBER UNTIL 04/2025	1.00	Director	$0	$0	$0
ERIN CHERENZIA	BOARD MEMBER UNTIL 04/2025	1.00	Director	$0	$0	$0
JUDY MUNRO	BOARD MEMBER UNTIL 04/2025	1.00	Director	$0	$0	$0
MAUREEN FITZGERALD	PRESIDENT & CEO UNTIL 06/2025	40.00	Officer	$234,919	$34,132	$269,051
SHEILA LITTY	PRESIDENT & CEO AS OF 06/2025	40.00	Officer	$187,946	$18,781	$206,727
LORRAINE GRISSOM	FINANCE DIRECTOR	40.00	Officer	$131,724	$13,156	$144,880
PAUL FALVEY	CHIEF OPERATIONS OFFICER	40.00	Officer	$82,600	$20,354	$102,954

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	$12,691,257	$11,197,112	$26,920,800	$1,494,145
2024	$11,551,237	$10,498,297	$24,892,758	$1,052,940
2023	$10,528,209	$9,468,273	$23,981,183	$1,059,936
2022	$8,187,692	$8,786,152	$23,015,447	$-598,460
2021	$7,960,366	$7,339,055	$23,810,869	$621,311
2020	$6,604,966	$6,895,300	$23,632,237	$-290,334
2019	$8,600,560	$8,646,235	$24,588,401	$-45,675
2018	$7,525,096	$7,825,748	$25,452,099	$-300,652

OCEAN COMMUNITY YMCA