Danbury Yacht Club (EIN 060686200) - 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

Legal Domicile

Principal Officer

Peter Massiello

Phone

2034700047

Tax Period

2024-01-01 to 2024-12-31

Danbury Yacht Club is a small nonprofit that reported $107K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $30K, a strong 28% operating margin.

Mission

To Focus on Sailing, Fellowship, and Member Racing

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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 $1,000

Program Service Revenue $100,862

Investment Income $5,329

Other Revenue $0

TOTAL REVENUE $107,191

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $77,034

TOTAL EXPENSES $77,034

Year-over-Year Comparison

	2024	2023	Change
Revenue	$107,191	$98,665	+0.1%
Expenses	$77,034	$115,100	-0.3%
Net Income	$30,157	$-16,435	-2.8%

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

N/A

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
Peter Massiello	Vice President	1.00	Officer	$0	$0	$0
Phil Miller	President	1.00	Officer	$0	$0	$0
Randy Esposito	Secretary	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
2024	$107,191	$77,034	$628,879	$30,157
2023	$98,665	$115,100	$599,723	$-16,435
2022	$96,412	$64,888	$616,156	$31,524
2021	$96,335	$102,073	$609,922	$-5,738
2020	$94,043	$63,605	$615,660	$30,438
2019	$89,577	$81,759	$585,222	$7,818
2018	$88,184	$89,655	$577,404	$-1,471

Danbury Yacht Club