WHITE LAKE YACHT CLUB (EIN 381213602) - 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

1903

Legal Domicile

Principal Officer

ROB JOHNSON

Phone

2317948049

Tax Period

2024-12-01 to 2025-11-30

WHITE LAKE YACHT CLUB, founded in 1903, is a small nonprofit that reported $506K in total revenue in fiscal year 2024. Expenses of $490K left a modest 3% surplus.

Mission

THE PURPOSES FOR WHICH THE CLUB IS ORGANIZED ARE: (A) TO ENCOURAGE, PROMOTE, AND SPONSOR YACHTING, YACHT RACES AND REGATTAS, AND AQUATIC SPORTS; (B) TO FOSTER FRIENDSHIP AMONG ITS MEMBERS; (C) TO ACQUIRE, PROVIDE, MAINTAIN A SUITABLE CLUBHOUSE, DOCKING FACILITIES, AND OTHER REAL AND PERSONAL PROPERTIES FOR THE USE AND RECREATION OF ITS MEMBERS; (D) TO PROVIDE SOCIAL FUNCTIONS FOR THE RECREATION OF ITS MEMBERS AND THEIR GUESTS; (E) TO PROMOTE AND SUPPORT THE ECOLOGICAL WELFARE OF WHITE LAKE AND LAKE MICHIGAN, INCLUDING THEIR WETLANDS AND TRIBUTARIES.

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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 $2,799

Program Service Revenue $351,678

Investment Income $22,804

Other Revenue $129,210

TOTAL REVENUE $506,491

Expense Breakdown

Grants Paid $0

Salaries & Benefits $189,130

Fundraising Expenses $0

Other Expenses $301,357

TOTAL EXPENSES $490,487

Year-over-Year Comparison

	2024	2023	Change
Revenue	$506,491	$482,229	+0.1%
Expenses	$490,487	$457,705	+0.1%
Net Income	$16,004	$24,524	-0.3%

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

Volunteers

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
ANDE HOLLY	PAST COMMODORE	1.00	Officer Director	$0	$0	$0
ANDREW FOUNTAIN	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY SCHNEIDER	DIRECTOR	1.00	Director	$0	$0	$0
BEN MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
BROOKS APPLEGATE	PAST COMMODORE	1.00	Officer Director	$0	$0	$0
CAM MCNEIL	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS OERTEL	DIRECTOR	1.00	Director	$0	$0	$0
DAN MCCORMICK	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL FOUNTAIN	DIRECTOR	1.00	Director	$0	$0	$0
ELLIOT SIKKENGA	VICE COMMODORE	1.00	Officer Director	$0	$0	$0
ERIK SAWYER	DIRECTOR	1.00	Director	$0	$0	$0
ERIN FREDRICKSON	DIRECTOR	1.00	Director	$0	$0	$0
GEOFF HAWKSWORTH	REAR COMMODORE	1.00	Officer Director	$0	$0	$0
HAYLEY SIBLEY	DIRECTOR	1.00	Director	$0	$0	$0
JEREMY DYKMAN	DIRECTOR	1.00	Director	$0	$0	$0
JESSIE FOUSSET	DIRECTOR	1.00	Director	$0	$0	$0
JIMMY TENBRINK	PAST TREASURER	1.00	Officer Director	$0	$0	$0
JOHN BECKETT	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MCNEIL	DIRECTOR	1.00	Director	$0	$0	$0
JULIE KENNEBECK	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL SMITH	DIRECTOR	1.00	Director	$0	$0	$0
ROB JOHNSON	TREASURER	1.00	Officer Director	$0	$0	$0
RYAN GATES	DIRECTOR	1.00	Director	$0	$0	$0
SALLY WHITEBECK	DIRECTOR	1.00	Director	$0	$0	$0
SARA WINWOOD	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT MACNAUGHTON	DIRECTOR	1.00	Director	$0	$0	$0
SHELLY MACNAUGHTON	COMMODORE	1.00	Officer Director	$0	$0	$0
SUE GATES	SECRETARY	1.00	Officer Director	$0	$0	$0
TIM BURRESS	PAST COMMODORE	1.00	Officer Director	$0	$0	$0
TOM CARMODY	DIRECTOR	1.00	Director	$0	$0	$0
TOM MUNROE JR	DIRECTOR	1.00	Director	$0	$0	$0
TRACI MONTGOMERY	DIRECTOR	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	$506,491	$490,487	$821,004	$16,004
2024	$482,229	$457,705	$785,638	$24,524
2023	$689,012	$478,551	$758,156	$210,461
2022	$492,197	$479,532	$553,626	$12,665
2021	$481,370	$408,548	$542,748	$72,822
2020	$352,957	$461,417	$462,429	$-108,460
2019	$269,613	$316,526	$580,188	$-46,913
2018	$294,960	$325,627	$622,730	$-30,667

WHITE LAKE YACHT CLUB