YOUNG MEN'S CHRISTIAN ASSOCIATION RETIREMENT FUND

EIN: 135562401 501(c)(3) Mutual Benefit

New York, NY

Total Revenue
$606,354,941
Total Expenses
$578,530,290
Total Assets
$9,217,436,636
Net Assets
$717,162,054
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1921
Legal Domicile
NY
Phone
6464582400
Tax Period
2023-07-01 to 2024-06-30

YOUNG MEN'S CHRISTIAN ASSOCIATION RETIREMENT FUND, founded in 1921, is a major nonprofit in the Mutual Benefit sector that reported $606.4M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $578.5M left a modest 5% surplus.

Mission

The mission of the YMCA Retirement Fund is to partner with YMCAs to help those who serve others build a foundation for financial security in retirement.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $271,034
Program Service Revenue $171,379,563
Investment Income $434,704,344
Other Revenue $0
TOTAL REVENUE $606,354,941

Expense Breakdown

Grants Paid $260,251
Salaries & Benefits $38,054,473
Fundraising Expenses $0
Program Expenses $559,509,252
Other Expenses $30,657,055
TOTAL EXPENSES $578,530,290

Year-over-Year Comparison

2023 2022 Change
Revenue $606,354,941 $523,401,858 +0.2%
Expenses $578,530,290 $162,089,830 +2.6%
Net Income $27,824,651 $361,312,028 -0.9%
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

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Liquidity & Cash Position

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Governance

Voting Members
13
Independent Members
11
Employees
130
Volunteers
13

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
7
$5,978,192
Total Directors
13
$726,836
Key Employees
1
$769,390
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
N/A VICE CHAIRMAN 2.0
Officer Director
$0 $0 $0
N/A CHAIRMAN 2.0
Officer Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER AS OF 12/23 2.0
Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $27,670 $207,739
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $36,068 $519,097
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $0 $0
N/A TRUSTEE VOLUNTEER 2.0
Director
$0 $0 $0
N/A EXECUTIVE VICE PRESIDENT & CHIEF OPERATING OFFICER 40.0
Officer
$719,649 $104,246 $823,895
N/A CHIEF ADMINISTRATIVE OFFICER 40.0
Officer
$497,023 $35,861 $532,884
N/A CHIEF INVESTMENT OFFICER 40.0
Officer
$2,354,008 $100,837 $2,454,845
N/A GENERAL COUNSEL 40.0
Officer
$671,575 $96,963 $768,538
N/A PRESIDENT AND CHIEF EXECUTIVE OFFICER 40.0
Officer
$1,297,283 $100,747 $1,398,030
N/A CHIEF INFORMATION OFFICER 40.0
Key Emp
$673,026 $96,364 $769,390
N/A INVESTMENT DIRECTOR 40.0
Highest
$529,101 $58,229 $587,330
N/A INVESTMENT DIRECTOR 40.0
Highest
$665,652 $55,564 $721,216
N/A INVESTMENT DIRECTOR 40.0
Highest
$639,407 $39,523 $678,930
N/A DEPUTY CHIEF INVESTMENT OFFICER 40.0
Highest
$1,251,901 $77,726 $1,329,627
N/A SENIOR MANAGING DIRECTOR OF RISK 40.0
Highest
$928,290 $106,967 $1,035,257
N/A BOARD OFFICER UNTIL 5/22 0.0
$0 $39,112 $333,973
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 No data No data No data No data
2024 $606,354,941 $578,530,290 $9,217,436,636 $27,824,651
2023 $523,401,858 $162,089,830 $8,764,780,414 $361,312,028
2022 $660,536,629 $136,700,872 $8,897,894,205 $523,835,757
2021 $593,466,560 $1,459,358,073 $8,789,752,286 $-865,891,513
2020 $376,378,755 $895,180,810 $7,103,381,831 $-518,802,055
2019 $463,113,745 $644,156,964 $7,251,001,000 $-181,043,219
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