YOUNG MEN'S CHRISTIAN ASSOCIATION RARITAN BAY AREA (EIN 221487390) - 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

1912

Legal Domicile

Phone

7324423632

Tax Period

2024-01-01 to 2024-12-31

YOUNG MEN'S CHRISTIAN ASSOCIATION RARITAN BAY AREA, founded in 1912, is a community nonprofit that reported $8.0M in total revenue in fiscal year 2024. Expenses of $7.1M left a modest 11% surplus.

Mission

THE YMCA'S MISSION OR MOST SIGNIFICANT ACTIVITIES: THE YMCA IS DEDICATED TO BUILDING STRONG KIDS, STRONG FAMILIES, AND STRONG COMMUNITIES THROUGH PROGRAMS THAT DEVELOP THE VALUES OF CARING, HONESTY,RESPECT, AND RESPONSIBILITY. THE YMCA SERVES ALL PEOPLE REGARDLESS OF AGE, RELIGION, SEX, OR FINANCIAL MEANS AND IS COMMITTED TO DEVELOPING A HEALTHY MIND, BODY AND SPIRIT. THE RARITAN BAY AREA YMCA IS COMMITTED TO PROVIDING OUR LIFE-CHANGING SERVICES TO ALL HEALTH SEEKERS WHO DESIRE TO PARTICIPATE.

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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 $1,476,213

Program Service Revenue $6,410,829

Investment Income $99,332

Other Revenue $0

TOTAL REVENUE $7,986,374

Expense Breakdown

Grants Paid $76,093

Salaries & Benefits $4,998,400

Fundraising Expenses $23,148

Program Expenses $6,941,624

Other Expenses $2,054,690

TOTAL EXPENSES $7,129,183

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,986,374	$8,276,453	0.0%
Expenses	$7,129,183	$6,891,772	+0.0%
Net Income	$857,191	$1,384,681	-0.4%

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

289

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

$356,530

Total Directors

Key Employees

$110,328

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA MAZZELLA	VICE CHAIR/DIRECTOR	4.0	Officer Director	$0	$0	$0
LOUIS SEMINSKI	CHAIR/DIRECTOR	4.0	Officer Director	$0	$0	$0
PAUL PIRES	TREASURER/DIRECTOR	4.0	Officer Director	$0	$0	$0
ALLEN PAPP	DIRECTOR	1.0	Director	$0	$0	$0
ANA MARIA ZEVALLOS	DIRECTOR	1.0	Director	$0	$0	$0
AVIVA WOOG	DIRECTOR	1.0	Director	$0	$0	$0
CATARINA MATOS	DIRECTOR	1.0	Director	$0	$0	$0
DAMARIS RAMIREZ	DIRECTOR	1.0	Director	$0	$0	$0
GREGORY FICARRA	DIRECTOR	1.0	Director	$0	$0	$0
JOEL MARTINEZ	DIRECTOR	1.0	Director	$0	$0	$0
KARREEN MANN	DIRECTOR	1.0	Director	$0	$0	$0
MICHAEL WEINSTEIN	DIRECTOR	1.0	Director	$0	$0	$0
MILTON HUBBARD	DIRECTOR	1.0	Director	$0	$0	$0
RAJ JUTTUKONDA	SECRETARY/DIRECTOR	1.0	Director	$0	$0	$0
ROBERT EDWARD DEPOW	DIRECTOR	1.0	Director	$0	$0	$0
ROBERT MCCOY	DIRECTOR	1.0	Director	$0	$0	$0
SERGIO DIAZ	DIRECTOR	1.0	Director	$0	$0	$0
TARA ROBINSON	DIRECTOR	1.0	Director	$0	$0	$0
NILDA S DELGADO	CHIEF ADMINISTRATION OFFICER	40.0	Officer	$124,987	$18,778	$143,765
STEPHEN JOBIN	PRESIDENT & CEO	40.0	Officer	$174,842	$37,923	$212,765
LORY CATTANO	CONTROLLER	40.0	Key Emp	$102,500	$7,828	$110,328
KRYS JENSEN	BRANCH DIRECTOR	40.0	Highest	$103,865	$20,797	$124,662

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	$7,986,374	$7,129,183	$9,008,390	$857,191
2023	$8,276,453	$6,891,772	$7,872,981	$1,384,681
2022	$6,451,574	$5,913,361	$6,668,057	$538,213
2021	$5,707,104	$4,271,171	$5,399,168	$1,435,933
2020	$5,390,917	$4,322,326	$3,889,019	$1,068,591
2019	$5,436,251	$5,413,602	$2,772,565	$22,649
2018	$5,400,855	$5,250,639	$2,751,650	$150,216

YOUNG MEN'S CHRISTIAN ASSOCIATION RARITAN BAY AREA