BAY YACHT CLUB (EIN 237255729) - 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

1972

Legal Domicile

Principal Officer

PHYLLIS VAUGHN

Phone

3615638206

Tax Period

2023-01-01 to 2023-12-31

BAY YACHT CLUB, founded in 1972, is a small nonprofit that reported $210K in total revenue in fiscal year 2023. Revenue surged 268% from the prior year, signaling strong growth momentum. The organization ran a surplus of $134K, a strong 64% operating margin.

Mission

ORGANIZE AND FUND BOATING ACTIVITIES; PROMOTE BOATING SAFETY; PROVIDE SOCIAL ACTIVITIES FOR BOATING ENTHUSIASTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $164,196

Program Service Revenue $45,532

Investment Income $2

Other Revenue $47

TOTAL REVENUE $209,777

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $74,699

Other Expenses $75,545

TOTAL EXPENSES $75,545

Year-over-Year Comparison

	2023	2022	Change
Revenue	$209,777	$57,053	+2.7%
Expenses	$75,545	$77,816	0.0%
Net Income	$134,232	$-20,763	-7.5%

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

N/A

Volunteers

100

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
KATHLEEN CLARK	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE KING	DIRECTOR	1.00	Director	$0	$0	$0
RUDY MIRCOVICH	DIRECTOR	1.00	Director	$0	$0	$0
MARY KAY SCHULTZ	REAR COMMODO	3.00	Director	$0	$0	$0
RUSSELL SEAL	DIRECTOR	1.00	Director	$0	$0	$0
HARRY ARMENIA	PAST COMMODO	1.00	Officer	$0	$0	$0
WALTER CRAWFORD	TREASURER	5.00	Officer	$0	$0	$0
REBECCA PINION	SECRETARY	3.00	Officer	$0	$0	$0
JIM ROBERTSON	VICE COMMODO	3.00	Officer	$0	$0	$0
PHYLLIS VAUGHN	COMMODORE	3.00	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
2024	No data	No data	No data	No data
2023	$209,777	$75,545	$494,749	$134,232

BAY YACHT CLUB