PINE BEACH YACHT CLUB (EIN 226280085) - 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

1916

Legal Domicile

Principal Officer

TED MOONEY

Phone

7323417766

Tax Period

2024-11-01 to 2025-10-31

PINE BEACH YACHT CLUB, founded in 1916, is a small nonprofit in the Recreation & Sports sector that reported $180K in total revenue in fiscal year 2024. Net assets of $555K represent 37 months of operating reserves.

Mission

PBYC, INC. WAS ORGANIZED AND OPERATES TO PROMOTE SAILING AND SOCIAL ACTIVITIES WITH THE COMMUNITY OF PINE BEACH, NJ.

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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 $4,978

Program Service Revenue $136,648

Investment Income $1,898

Other Revenue $36,185

TOTAL REVENUE $179,709

Expense Breakdown

Grants Paid $0

Salaries & Benefits $41,590

Fundraising Expenses $0

Program Expenses $181,611

Other Expenses $143,455

TOTAL EXPENSES $185,045

Year-over-Year Comparison

	2024	2023	Change
Revenue	$179,709	$184,454	0.0%
Expenses	$185,045	$168,214	+0.1%
Net Income	$-5,336	$16,240	-1.3%

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

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
ROBERT CAMMEARER	VICE COMMODO	N/A	Officer Director	$0	$0	$0
JASON KRAJEWSKI	PAST COMMODO	N/A	Officer Director	$0	$0	$0
TED MOONEY	TREASURER	N/A	Officer Director	$0	$0	$0
VALENTINE O'CONNOR	COMMODORE	N/A	Officer 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	$179,709	$185,045	$555,386	$-5,336
2024	$184,454	$168,214	$560,498	$16,240
2023	$163,517	$175,911	$544,267	$-12,394
2022	$141,140	$146,712	$557,611	$-5,572
2021	$133,830	$141,472	$563,387	$-7,642
2020	$115,676	$118,143	$571,029	$-2,467
2019	$139,372	$127,436	$573,496	$11,936
2018	$135,077	$129,878	$571,560	$5,199

PINE BEACH YACHT CLUB