PISCATAQUIS REGIONAL YMCA

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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

1984

Legal Domicile

Principal Officer

TIM GALLAGHER

Phone

2075647111

Tax Period

2021-01-01 to 2021-12-31

PISCATAQUIS REGIONAL YMCA, founded in 1984, is a small nonprofit that reported $611K in total revenue in fiscal year 2021. The organization ran a surplus of $128K, a strong 21% operating margin.

Mission

TO PROMOTE THE PHYSICAL ,MENTAL, SOCIAL, AND SPIRITUAL WELLBEING TO ALL WHO WISH TO PARTICIPATE REGARDLESS OF ABILITY TO PAY.

Program Service Accomplishments

Program 1

Expenses: $334,551 Revenue: $269,784

VARIOUS SOCIAL, RECREATIONAL, FITNESS AND WELLNESS PROGRAMS FOR APPROXIMATELY 2,000 MEMBERS IN RURAL PISCATAQUIS AND PENOBSCOT COUNTIES, INCLUDING COOPERATIVE PROGRAMS WITH LOCAL SCHOOLS AND...

VARIOUS SOCIAL, RECREATIONAL, FITNESS AND WELLNESS PROGRAMS FOR APPROXIMATELY 2,000 MEMBERS IN RURAL PISCATAQUIS AND PENOBSCOT COUNTIES, INCLUDING COOPERATIVE PROGRAMS WITH LOCAL SCHOOLS AND HOSPITALS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $304,570

Program Service Revenue $269,784

Investment Income $15,788

Other Revenue $21,115

TOTAL REVENUE $611,257

Expense Breakdown

Grants Paid $0

Salaries & Benefits $216,791

Fundraising Expenses $0

Program Expenses $334,551

Other Expenses $266,200

TOTAL EXPENSES $482,991

Year-over-Year Comparison

	2021	2020	Change
Revenue	$611,257	$567,052	+0.1%
Expenses	$482,991	$428,134	+0.1%
Net Income	$128,266	$138,918	-0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIM GALLAGHER	TREASURER	1.00	Officer Director	$0	$0	$0
MIKE SUTTON	PRESIDENT	1.00	Officer Director	$0	$0	$0
JOSEPH CARUSO	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN CAMPBELL	DIRECTOR	1.00	Director	$0	$0	$0
NICK CLUKEY	DIRECTOR	1.00	Director	$0	$0	$0
JACK CLUKEY	DIRECTOR	1.00	Director	$0	$0	$0
RYAN NICKERSON	DIRECTOR	1.00	Director	$0	$0	$0
LORI TOWNE	DIRECTOR	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
2021	$611,257	$482,991	$1,469,061	$128,266
2020	$567,052	$428,134	$1,317,813	$138,918
2019	$638,312	$644,637	$1,106,927	$-6,325
2018	$761,668	$675,502	$1,023,815	$86,166