ATLANTIC HIGHLANDS YACHT CLUB

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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

1953

Legal Domicile

Principal Officer

STEVEN BROWNLIE

Phone

7322911800

Tax Period

2025-01-01 to 2025-12-31

ATLANTIC HIGHLANDS YACHT CLUB, founded in 1953, is a small nonprofit that reported $736K in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $694K left a modest 6% surplus.

Mission

ALL INCOME IS USED FOR THE PLEASURE AND RECREATIONAL BENEFIT OF ITS MEMBERS

Program Service Accomplishments

Program 1

Expenses: $138,996

TO BENEFIT THE MEMBERS OF THE ORGANIZATION

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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 $285,130

Program Service Revenue $389,256

Investment Income $502

Other Revenue $60,866

TOTAL REVENUE $735,754

Expense Breakdown

Grants Paid $0

Salaries & Benefits $252,654

Fundraising Expenses $0

Program Expenses $675,975

Other Expenses $441,325

TOTAL EXPENSES $693,979

Year-over-Year Comparison

	2025	2024	Change
Revenue	$735,754	$622,034	+0.2%
Expenses	$693,979	$590,916	+0.2%
Net Income	$41,775	$31,118	+0.3%

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

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
STEVEN BROWNLIE	COMMODORE	5.00	Officer	$0	$0	$0
BARBARA FLATLEY	CORRESPONDIN	5.00	Officer	$0	$0	$0
BRIAN GILLEN	IMMED. PAST	5.00	Officer	$0	$0	$0
ELAINE HAYDEN	SECRETARY	5.00	Officer	$0	$0	$0
JEREMY HERMAN	REAR COMMODO	N/A	Officer	$0	$0	$0
CLAUDIA LUCEY	VICE COMMOD	5.00	Officer	$0	$0	$0
STEPHEN MACKAY	TREASURER	5.00	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
2025	$735,754	$693,979	$244,171	$41,775
2024	$622,034	$590,916	$194,895	$31,118
2023	$550,401	$585,344	$159,882	$-34,943
2022	$491,745	$483,009	$198,291	$8,736
2021	$292,863	$366,146	$184,687	$-73,283
2020	$361,192	$337,666	$238,467	$23,526
2019	$409,515	$431,311	$188,053	$-21,796
2018	$381,037	$374,477	$208,682	$6,560