Watertown Yacht Club Inc (EIN 113749156) - 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

1941

Legal Domicile

Principal Officer

Carlos S Ruperti

Phone

6179249848

Tax Period

2024-01-01 to 2024-12-31

Watertown Yacht Club Inc, founded in 1941, is a small nonprofit that reported $284K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

The Watertown Yacht Club (WYC) is a social organization of boaters whose mission is to promote boating safety among adults and minors as well as to provide facilities for keeping boats summer and winter and to support the social advancement and entertainment of 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 $121,437

Program Service Revenue $151,305

Investment Income $11,495

Other Revenue $0

TOTAL REVENUE $284,237

Expense Breakdown

Grants Paid $0

Salaries & Benefits $22,958

Fundraising Expenses $0

Program Expenses $248,668

Other Expenses $261,481

TOTAL EXPENSES $284,439

Year-over-Year Comparison

	2024	2023	Change
Revenue	$284,237	$260,249	+0.1%
Expenses	$284,439	$252,336	+0.1%
Net Income	$-202	$7,913	-1.0%

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

120

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
Carlos S Ruperti	Commodore	10	Officer Director	$0	$0	$0
Paul V Dubiel Jr	Vice Commodore	4	Officer Director	$0	$0	$0
Ralph B Levy	Secretary	10	Officer Director	$0	$0	$0
Thomas Lynch	Treasurer	10	Officer Director	$0	$0	$0
Craig Tanny	Director	4	Director	$0	$0	$0
Steven J Lydon	Director	4	Director	$0	$0	$0
Kerry Harthan	Director	4	Director	$0	$0	$0
Milton Shull	Director	4	Director	$0	$0	$0
Howard Hecht	Rear Commodore	10.00	Officer Director	$0	$0	$0
Frederick Heim Jr	Director	4	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	$284,237	$284,439	$493,922	$-202
2023	$260,249	$252,336	$525,533	$7,913
2022	$243,332	$212,463	$545,235	$30,869
2021	$276,583	$247,944	$399,325	$28,639
2020	$246,697	$236,786	$310,199	$9,911

Watertown Yacht Club Inc