THE YWCA RETIREMENT FUND INC

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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

1925

Legal Domicile

Principal Officer

Elliott Buchholz

Phone

2129229500

Tax Period

2023-01-01 to 2023-12-31

THE YWCA RETIREMENT FUND INC, founded in 1925, is a mid-sized nonprofit in the Mutual Benefit sector that reported $22.2M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $38.1M exceeded revenue, resulting in a 72% operating deficit.

Mission

Provides retirement benefits to eligible participants.

Program Service Accomplishments

Program 1

Expenses: $18,853,426 Revenue: $0

The Fund provides participants with lump sum benefit payments upon retirement or termination of employment from participating YWCA's.

Program 2

Expenses: $10,291,950 Revenue: $0

The Fund provides retirement annuity benefits to eligible participants, employees, and beneficiaries.

Program 3

Expenses: $665,060 Revenue: $0

The Fund makes payments to beneficiaries upon the death of a participant or annuitant when applicable.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $15,480,191

Investment Income $6,686,060

Other Revenue $0

TOTAL REVENUE $22,166,251

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,400,040

Fundraising Expenses $0

Program Expenses $29,810,436

Other Expenses $4,907,010

TOTAL EXPENSES $38,117,486

Year-over-Year Comparison

	2023	2022	Change
Revenue	$22,166,251	$18,633,090	+0.2%
Expenses	$38,117,486	$34,603,136	+0.1%
Net Income	$-15,951,235	$-15,970,046	0.0%

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

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

$754,733

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Elliott Buchholz	Chief Executive Officer	35	Officer	$360,490	$65,328	$425,818
Joseph DeRocchis	Chief Financial Officer / Chief Operating Officer	35	Officer	$269,380	$59,535	$328,915
Guedner Villette	Systems manager	35	Highest	$208,425	$33,945	$242,370
Paul Li	Systems Applications Manager	35	Highest	$190,802	$41,675	$232,477
Michael Sangregorio	Controller	35	Highest	$162,158	$48,286	$210,444
Josephine Chow	Contributions Manager	35	Highest	$170,469	$29,554	$200,023
Lynne Lavelle	Communications Director	35	Highest	$136,780	$25,664	$162,444
Deborah G Ullman	President	2	Director	$0	$0	$0
Jan C Stewart	Vice President	1	Director	$0	$0	$0
Margaret S Neilly	Treasurer	1	Director	$0	$0	$0
Jacqueline W Bostic	Secretary	1	Director	$0	$0	$0
Barbara B Glass	Board Member	2	Director	$0	$0	$0
Kathleen Granchelli	Board Member	1	Director	$0	$0	$0
Margaret Mitchell	Board Member	1	Director	$0	$0	$0
Diana Gibson	Board Member	1.00	Director	$0	$0	$0
Sondra Vitols	Board Member	1	Director	$0	$0	$0
Marilee Lau	Board Member	1	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	No data	No data	No data	No data
2023	$22,166,251	$38,117,486	$386,659,520	$-15,951,235
2022	$18,633,090	$34,603,136	$370,541,445	$-15,970,046
2021	$21,929,429	$35,897,031	$403,944,541	$-13,967,602
2020	$14,574,368	$32,870,625	$396,533,041	$-18,296,257
2019	$23,511,478	$38,694,480	$382,180,207	$-15,183,002
2018	$74,565,548	$42,559,151	$368,001,074	$32,006,397