BAY VIEW YACHT CLUB

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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

1905

Legal Domicile

Phone

4193671780

Tax Period

2025-01-01 to 2025-12-31

BAY VIEW YACHT CLUB, founded in 1905, is a small nonprofit that reported $416K in total revenue in fiscal year 2025.

Mission

TO PROMOTE AND ENCOURAGE BOATING SAFETY AWARENESS AND FELLOWSHIP AMONG ITS MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $406,410 Revenue: $415,033

TO PROMOTE AND ENCOURAGE BOAT SAFETY AWARENESS AND FELLOWSHIP AMONG ITS MEMBERS.

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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 $0

Program Service Revenue $133,635

Investment Income $0

Other Revenue $281,933

TOTAL REVENUE $415,568

Expense Breakdown

Grants Paid $0

Salaries & Benefits $50,040

Fundraising Expenses $0

Program Expenses $406,410

Other Expenses $356,370

TOTAL EXPENSES $406,410

Year-over-Year Comparison

	2025	2024	Change
Revenue	$415,568	$394,332	+0.1%
Expenses	$406,410	$419,044	0.0%
Net Income	$9,158	$-24,712	-1.4%

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

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
JEFF UTTERBACK	CHAIRMAN	Director	$0	$0	$0
TIMOTHY KRELL	VICE CHAIRMAN	Director	$0	$0	$0
ANTHONY BLANK	RECORDING SECRETARY	Director	$0	$0	$0
GRETCHANN UTTERBACK	COMMODORE	Officer Director	$0	$0	$0
SCOTT KNEISEL	FINANCIAL SECRETARY	Officer Director	$0	$0	$0
JOHN SCHOEN	TREASURER	Officer Director	$0	$0	$0
TOM KROMA	SECRETARY	Officer Director	$0	$0	$0
RICKIE WAUGH	REAR COMMODORE	Officer Director	$0	$0	$0
SCOTT ALDRICH	TRUSTEE	Director	$0	$0	$0
DENNY CZESAK	TRUSTEE	Director	$0	$0	$0
DOUG LALOND	TRUSTEE	Director	$0	$0	$0
DAVID KRELL	TRUSTEE	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	$415,568	$406,410	$1,073,886	$9,158
2024	$394,332	$419,044	$1,097,620	$-24,712
2023	$338,413	$361,436	$1,149,233	$-23,023
2022	$317,101	$295,209	$936,019	$21,892
2021	$300,911	$282,830	$702,843	$18,081
2020	$248,657	$261,047	$668,225	$-12,390
2019	$280,883	$264,685	$702,166	$16,198
2018	$292,195	$277,924	$720,972	$14,271