YMCA OF CENTRAL AND NORTHERN WESTCHESTER NY INC (EIN 131740518) - 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

1900

Legal Domicile

Phone

9149498030

Tax Period

2025-01-01 to 2025-12-31

YMCA OF CENTRAL AND NORTHERN WESTCHESTER NY INC, founded in 1900, is a mid-sized nonprofit that reported $12.3M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

THE YMCA STRENGTHEN'S THE COMMUNITY BY PROVIDING QUALITY PROGRAMS THAT PROMOTE YOUTH DEVELOPMENT, HEALTHY LIVING, AND SOCIAL RESPONSIBILITY. WE ARE A Y WITHOUT WALLS MODEL. AS A COMMUNITY BASED SERVICE PROVIDER, WE REMAIN FLEXIBLE - DELIVERING AFFORDABLE, HIGH-QUALITY PROGRAMS WHEREVER THEY ARE NEEDED MOST. WELCOMING ALL PEOPLE REGARDLESS OF AGE, RACE, RELIGION OR ECONOMIC STATUS, THE YMCA-CNW STRIVES TO ENRICH EACH AND EVERY LIFE THROUGH A UNIQUE, DYNAMIC COMBINATION OF PROGRAMS THAT STRENGTHENS SPIRIT, MIND AND BODY. THE YMCA-CNW ASPIRES TO BE THE PREMIER COMMUNITY RESOURCE FOR ALL AGES THROUGH MEANINGFUL PARTNERSHIPS AND RELEVANT AND ACCESSIBLE SERVICES. THE ORGANIZATION SERVES APPROXIMATELY 1500 FAMILIES EACH YEAR. THE YMCA OF CENTRAL AND NORTHERN WESTCHESTER HAS BEEN MEETING THE NEEDS OF OUR COMMUNITIES' CHILDREN AND FAMILIES FOR OVER 120 YEARS.

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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 $851,333

Program Service Revenue $10,879,411

Investment Income $393,214

Other Revenue $147,279

TOTAL REVENUE $12,271,237

Expense Breakdown

Grants Paid $238,311

Salaries & Benefits $9,502,464

Fundraising Expenses $68,603

Program Expenses $12,278,215

Other Expenses $3,035,550

TOTAL EXPENSES $12,776,325

Year-over-Year Comparison

	2025	2024	Change
Revenue	$12,271,237	$11,271,997	+0.1%
Expenses	$12,776,325	$11,386,012	+0.1%
Net Income	$-505,088	$-114,015	+3.4%

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

535

Volunteers

212

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

$542,728

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA DELFINO	President & CEO	40.00	Officer	$298,714	$28,287	$327,001
BONNIE FOGARTY	Executive Dir.	40.00	Officer	$196,918	$18,809	$215,727
KAYLA HENDRICKSON	DIR - SCHOOL AGE	0.00		$119,167	$18,860	$138,027
MARGARITA PINEIRO	DIR. - EARLY CHILD	0.00		$119,741	$11,624	$131,365
ALANA SWEENY	Trustee	1.00	Director	$0	$0	$0
ANDREW MORZELLO	Trustee	1.00	Director	$0	$0	$0
CHARLES GOLDBERGER	Trustee	1.00	Director	$0	$0	$0
HARRY SINGH	Treasurer	1.00	Director	$0	$0	$0
HILLARY MILLMAN	Secretary	1.00	Director	$0	$0	$0
JOSE TAVARES	Trustee	1.00	Director	$0	$0	$0
KATHERINE COPPINGER	Trustee	1.00	Director	$0	$0	$0
MARIA TRUSA	Trustee	1.00	Director	$0	$0	$0
MARK IANNUCCI	Chairman	1.00	Officer Director	$0	$0	$0
MATTHEW PARISI	Trustee	1.00	Director	$0	$0	$0
PATRICK LYNCH	Trustee	1.00	Director	$0	$0	$0
PETER PALMA	Vice President	1.00	Officer Director	$0	$0	$0
RACHEL ECKHAUS	President	1.00	Officer Director	$0	$0	$0
SUSAN ROSS	Trustee	1.00	Director	$0	$0	$0
WILEY HARRISON	Trustee	1.00	Director	$0	$0	$0
CHRISTINA DIBELLA	Trustee	1.00	Director	$0	$0	$0
EDIE MAGNUS	Trustee	1.00	Director	$0	$0	$0
MARIJO MURPHY	Trustee	1.00	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	$12,271,237	$12,776,325	$15,073,481	$-505,088
2024	$11,271,997	$11,386,012	$15,741,394	$-114,015
2023	$7,322,209	$8,623,455	$12,991,608	$-1,301,246
2022	$7,991,229	$6,996,992	$13,509,181	$994,237
2021	$15,409,027	$5,401,270	$10,657,859	$10,007,757
2020	$4,823,752	$4,322,427	$6,878,544	$501,325
2019	$6,041,582	$5,718,611	$5,235,351	$322,971
2018	$5,985,160	$6,543,798	$5,049,613	$-558,638

YMCA OF CENTRAL AND NORTHERN WESTCHESTER NY INC