BAYVIEW 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

1915

Legal Domicile

Principal Officer

SANDRA SVOBODA

Phone

3138221853

Tax Period

2024-10-01 to 2025-09-30

BAYVIEW YACHT CLUB, founded in 1915, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year. Net assets of $5.5M represent 27 months of operating reserves.

Mission

TO PROVIDE RECREATION, ENTERTAINMENT AND SOCIAL ACTIVITIES FOR THE BENEFIT OF ITS MEMBERS.

Program Service Accomplishments

Program 1

ORGANIZING AND SPONSORING VARIOUS SAILING RACES AND RELATED SOCIAL ACTIVITIES AND PROVIDING DINING AND BAR FACILITIES FOR 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 (2024)

Revenue Breakdown

Contributions & Grants $15,972

Program Service Revenue $1,829,632

Investment Income $35,060

Other Revenue $541,617

TOTAL REVENUE $2,422,281

Expense Breakdown

Grants Paid $0

Salaries & Benefits $822,090

Fundraising Expenses $0

Other Expenses $1,563,967

TOTAL EXPENSES $2,386,057

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,422,281	$2,871,302	-0.2%
Expenses	$2,386,057	$2,710,619	-0.1%
Net Income	$36,224	$160,683	-0.8%

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
SANDRA SVOBODA	VICE COMMODORE	1.00	Officer Director	$0	$0	$0
DAVID SCULLY	REAR COMMODORE	1.00	Officer Director	$0	$0	$0
MARIA PFEFFER	SECRETARY	1.00	Officer Director	$0	$0	$0
TRISH KIRKMAN	TREASURER	1.00	Officer Director	$0	$0	$0
ANDY GROH	SAILING & REGATTA CHAIR	1.00	Officer Director	$0	$0	$0
THOMAS KOPP	FLEET SURGEON	1.00	Director	$0	$0	$0
TODD RILEY	MEMBERSHIP CHAIR	1.00	Officer Director	$0	$0	$0
JIM BAUBIE	GOVERNOR	1.00	Officer Director	$0	$0	$0
ROD SPEARIN	GOVERNOR	1.00	Officer Director	$0	$0	$0
JIM MORPHEW	GOVERNOR	1.00	Officer Director	$0	$0	$0
ERIK RYAN	GOVERNOR	1.00	Officer Director	$0	$0	$0
MARK MILLER	FLEET MEASURER	1.00	Director	$0	$0	$0
JOE BRENNAN	FLEET CAPTAIN	1.00	Director	$0	$0	$0
PAUL FALCONE	COMMODORE	1.00	Officer Director	$0	$0	$0
MATTHEW PROST	GENERAL MANAGER	40.00	Highest	$231,293	$8,005	$239,298

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	$2,422,281	$2,386,057	$8,116,841	$36,224
2024	$2,871,302	$2,710,619	$8,185,018	$160,683
2023	$2,456,439	$2,422,600	$8,332,604	$33,839
2022	$2,489,413	$2,247,598	$8,226,303	$241,815
2021	$2,523,629	$1,780,853	$8,254,876	$742,776
2020	$1,715,008	$1,633,058	$4,475,551	$81,950
2019	$2,932,621	$2,683,058	$4,405,365	$249,563
2018	$2,667,001	$2,643,192	$4,155,622	$23,809