SAGINAW BAY 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

1959

Legal Domicile

Principal Officer

JASON REESE

Phone

9898925905

Tax Period

2024-01-01 to 2024-12-31

SAGINAW BAY YACHT CLUB, founded in 1959, is a small nonprofit that reported $515K in total revenue in fiscal year 2024. Expenses of $449K left a modest 13% surplus.

Mission

WE ARE A UNIQUE COMMUNITY OF INDIVIDUALS WITH SHARED VALUES AND COMMON INTERESTS IN AN ATMOSPHERE OF FRIENDSHIP AND MUTUAL RESPECT. A FAMILY OF GREAT PEOPLE SERVING GREAT PEOPLE IN A SAFE, NAUTICAL ATMOSPHERE. AS WE HAVE FOR GENERATIONS - WE STAND TALL AND PROUD ALONG THE WATER AND WELCOME ALL WHO WOULD JOIN US IN THE PURSUIT OF ENJOYMENT AND FUN.

Program Service Accomplishments

Program 1

Expenses: $379,858 Revenue: $493,954

THE CLUB HAS FULL DINING AND LOUNGE FACILITIES. MEMBERS MAY ALSO TAKE ADVANTAGE OF YOUR CLUB BY HOSTING ANY NUMBER OF EVENTS LIKE BIRTHDAY PARTIES, GRADUATIONS, RETIREMENTS, SHOWERS AND THE LIKE. OUR FOOD AND STAFF ARE THE BEST IN THE AREA. OUR CHEF, HARRY, HAS OVER 25 YEARS OF EXPERIENCE AS CHEF AT ONE OF THE TOP RESTAURANTS IN THE TRI-CITIES AREA. WITH THE NAUTICAL AMBIANCE OF THE CLUB, THE MANICURED BEAUTY OF THE GROUNDS AND THE BOATING TRAFFIC ON THE SAGINAW RIVER IT IS TRULY AN EXPERIENCE PRIVY TO THE MEMBERSHIP OF THE SAGINAW BAY YACHT 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 $11,773

Program Service Revenue $398,745

Investment Income $8,838

Other Revenue $95,209

TOTAL REVENUE $514,565

Expense Breakdown

Grants Paid $0

Salaries & Benefits $158,814

Fundraising Expenses $0

Program Expenses $379,858

Other Expenses $289,745

TOTAL EXPENSES $448,559

Year-over-Year Comparison

	2024	2023	Change
Revenue	$514,565	$504,376	+0.0%
Expenses	$448,559	$422,811	+0.1%
Net Income	$66,006	$81,565	-0.2%

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
JEROME CRETE	DIRECTOR	1.00	Director	$0	$0	$0
KIM DODGE	DIRECTOR	1.00	Director	$0	$0	$0
RON FITZMAURICE	DIRECTOR	1.00	Director	$0	$0	$0
MIKE STODOLAK	DIRECTOR	1.00	Director	$0	$0	$0
LOUISE VOZNIAK	DIRECTOR	1.00	Director	$0	$0	$0
TOM BARBIER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HEBERT	DIRECTOR	1.00	Director	$0	$0	$0
ANN LAZARRRO	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK FRONTJES	DIRECTOR	1.00	Director	$0	$0	$0
DENNIS BESS	COMMODORE	1.00	Officer	$0	$0	$0
MICHAEL BOUCKAERT	VICE COMMODORE	1.00	Officer	$0	$0	$0
RICH SPITZER	REAR COMMODORE	1.00	Officer	$0	$0	$0
JASON REESE	TREASURER	1.00	Officer	$0	$0	$0
JERRY PRESTON	TREASURER	1.00	Officer	$0	$0	$0
MARY ANN COLE	SECRETARY	1.00	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	$514,565	$448,559	$1,318,362	$66,006
2023	$504,376	$422,811	$1,260,855	$81,565
2022	$543,460	$423,818	$1,180,679	$119,642
2021	$551,686	$425,989	$1,072,496	$125,697
2020	$454,163	$379,639	$964,391	$74,524
2020	$454,163	$379,639	$964,391	$74,524
2019	$374,103	$365,208	$910,379	$8,895
2018	$375,515	$370,971	$928,941	$4,544