Winter Harbor Yacht Club (EIN 263902562) - 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

Legal Domicile

Phone

2079632275

Tax Period

2024-01-01 to 2024-12-31

Winter Harbor Yacht Club is a community nonprofit in the Recreation & Sports sector that reported $1.1M in total revenue in fiscal year 2024. Revenue surged 266% from the prior year, signaling strong growth momentum. The organization ran a surplus of $749K, a strong 66% operating margin.

Mission

Social Club

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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 $823,517

Program Service Revenue $263,572

Investment Income $131

Other Revenue $42,653

TOTAL REVENUE $1,129,873

Expense Breakdown

Grants Paid $0

Salaries & Benefits $136,846

Fundraising Expenses $0

Program Expenses $344,739

Other Expenses $243,927

TOTAL EXPENSES $380,773

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,129,873	$308,713	+2.7%
Expenses	$380,773	$296,164	+0.3%
Net Income	$749,100	$12,549	+58.7%

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	Role	Reportable Comp	Other Comp	Total
Katherine Marshall	Governor	Director	$0	$0	$0
Katherine Hatcher	Governor	Director	$0	$0	$0
Stephanie Muhs	Governor	Director	$0	$0	$0
Laura Cutler	Governor	Director	$0	$0	$0
Craig Raymond	Asst Treasurer	Director	$0	$0	$0
John Townsend	Governor	Director	$0	$0	$0
Alex Mishkin	Commodore	Officer	$0	$0	$0
David Kleiser	Treasurer	Officer	$0	$0	$0
Katharine Brown	Secretary	Officer	$0	$0	$0
Thomas Kirchoff	Vice Commodore	Officer	$0	$0	$0
Alice Brown Hodges	Rear Commodore	Officer	$0	$0	$0
Alan Goldstein	Honorary Commod	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	$1,129,873	$380,773	$1,359,488	$749,100
2023	$308,713	$296,164	$668,614	$12,549
2022	$384,203	$274,814	$586,694	$109,389
2021	$321,381	$243,349	$473,934	$78,032
2019	$224,181	$185,442	$402,584	$38,739
2018	$223,021	$202,940	$363,565	$20,081

Winter Harbor Yacht Club