CADILLAC AREA YMCA (EIN 300013507) - 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

2001

Legal Domicile

Principal Officer

CHAD GEIGER

Phone

2317753369

Tax Period

2025-01-01 to 2025-12-31

CADILLAC AREA YMCA, founded in 2001, is a community nonprofit in the Human Services sector that reported $2.1M in total revenue in fiscal year 2025. Net assets of $5.4M represent 31 months of operating reserves.

Mission

THE CADILLAC AREA YMCA IS DEDICATED TO BUILDING A HEALTHY, VITAL, AND CARING COMMUNITY THROUGH ENRICHMENT AND DEVELOPMENTAL PROGRAMS FOR ALL.

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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 (2025)

Revenue Breakdown

Contributions & Grants $345,023

Program Service Revenue $1,639,405

Investment Income $92,685

Other Revenue $36,541

TOTAL REVENUE $2,113,654

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,362,019

Fundraising Expenses $32,851

Program Expenses $2,096,295

Other Expenses $941,130

TOTAL EXPENSES $2,303,149

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,113,654	$2,085,951	+0.0%
Expenses	$2,303,149	$2,167,861	+0.1%
Net Income	$-189,495	$-81,910	+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

130

Volunteers

161

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
DANIELLE EVANS	BOARD MEMBER	1.00	Director	$0	$0	$0
CHAD GEIGER	CHAIR	1.00	Officer Director	$0	$0	$0
CHRIS GENTRY	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDY HILL	BOARD MEMBER	1.00	Director	$0	$0	$0
BOB KELLOGG	BOARD MEMBER	1.00	Director	$0	$0	$0
CAITLYN KERNS	SECRETARY	1.00	Officer Director	$0	$0	$0
KRIS KRANNITZ	PAST CHAIR	1.00	Officer Director	$0	$0	$0
BILL LAKIN	BOARD MEMBER	1.00	Director	$0	$0	$0
DANIELLE MAHAN	BOARD MEMBER	1.00	Director	$0	$0	$0
LAURIE MCKAY	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN SCHULTZ	TREASURER	1.00	Officer Director	$0	$0	$0
DEREK SENGELAUB	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBIN SIMS	BOARD MEMBER	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
2025	$2,113,654	$2,303,149	$5,517,270	$-189,495
2024	$2,085,951	$2,167,861	$5,712,651	$-81,910
2023	$1,865,085	$2,006,097	$5,793,356	$-141,012
2022	$2,993,044	$2,068,164	$5,811,151	$924,880
2021	$1,846,102	$1,826,723	$4,840,166	$19,379
2020	$1,723,495	$1,562,310	$4,809,879	$161,185
2019	$2,626,323	$1,890,560	$4,690,975	$735,763
2018	$1,741,603	$1,942,592	$4,764,556	$-200,989

CADILLAC AREA YMCA