MACATAWA BAY YACHT CLUB (EIN 381340365) - 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

Principal Officer

DOUGLAS PETTER

Phone

6163355815

Tax Period

2025-01-01 to 2025-12-31

MACATAWA BAY YACHT CLUB is a community nonprofit that reported $2.1M in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year.

Mission

MACATAWA BAY YACHT CLUB WAS FOUNDED TO PROMOTE AND ENCOURAGE YACHTING AND OTHER AQUATIC SPORTS, AND TO PROVIDE ACTIVITIES, SERVICES, AND FACILITIES THAT ARE USEFUL AND DESIRABLE TO MEMBERS AS WELL AS DEVELOPING COMMUNITY SPIRIT, GOODWILL, AND FRIENDSHIP AMONG THE 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 $5,374

Program Service Revenue $1,434,025

Investment Income $-2,099

Other Revenue $647,554

TOTAL REVENUE $2,084,854

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,145,904

Fundraising Expenses $0

Program Expenses $2,240,495

Other Expenses $1,094,591

TOTAL EXPENSES $2,240,495

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,084,854	$2,195,078	-0.1%
Expenses	$2,240,495	$1,916,934	+0.2%
Net Income	$-155,641	$278,144	-1.6%

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

125

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

$158,681

Total Directors

$158,681

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KERRIE BARNO	GENERAL MANA	40.00	Officer Director	$158,681	$0	$158,681
LINDA BRAND	SECRETARY	2.00	Officer Director	$0	$0	$0
MARK BREMER	TREASURER	2.00	Officer Director	$0	$0	$0
DR DON CONDIT	VICE COMMODO	2.00	Officer Director	$0	$0	$0
JENNIFER DEYOUNG	DIRECTOR	1.00	Director	$0	$0	$0
DALE GORT	DIRECTOR	1.00	Director	$0	$0	$0
MITCHELL PADNOS	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS PETTER	COMMODORE	2.00	Officer Director	$0	$0	$0
LEESA SCHRAM	PAST COMMODO	2.00	Officer Director	$0	$0	$0
LAURI SISSON	DIRECTOR	1.00	Director	$0	$0	$0
RACHEL SLIGH	DIRECTOR	1.00	Director	$0	$0	$0
KRISTEN VANDENBOSCH	REAR COMMODO	2.00	Officer Director	$0	$0	$0
NATHANIAL VOLKEMA	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	$2,084,854	$2,240,495	$3,097,471	$-155,641
2024	$2,195,078	$1,916,934	$3,070,221	$278,144
2023	$1,790,716	$1,901,153	$2,930,338	$-110,437
2022	$1,698,420	$1,855,194	$3,161,796	$-156,774
2021	$1,540,577	$1,433,813	$3,243,596	$106,764
2020	$1,230,825	$1,224,805	$3,155,370	$6,020
2019	$1,367,076	$1,392,520	$3,150,785	$-25,444
2018	$1,430,724	$1,349,531	$3,326,933	$81,193

MACATAWA BAY YACHT CLUB