ST JOSEPH RIVER YACHT CLUB

EIN: 381508325

SAINT JOSEPH, MI

Total Revenue
$1,406,559
Total Expenses
$1,426,352
Total Assets
$2,665,621
Net Assets
$2,106,946
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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
1942
Legal Domicile
MI
Principal Officer
COLIN ANDERSON
Phone
2699836393
Tax Period
2025-01-01 to 2025-12-31

ST JOSEPH RIVER YACHT CLUB, founded in 1942, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2025.

Mission

SJRYC STRIVES TO PROVIDE A CASUAL ATMOSPHERE, AFFORDABLE PRICES, AND A SPIRIT OF FELLOWSHIP, COMMUNITY, AND EDUCATION, BUILDING ON A RICH HISTORY OF BOATING, SWIMMING, AND SOCIALIZING IN AN UNIQUELY NAUTICAL LOCATION.

Program Service Accomplishments

Program 1
Expenses: $1,416,133 Revenue: $1,383,917

RESTAURANT SERVICES INCLUDING OPERATION OF FACILITIES & SOCIAL EVENTS

Program 2
Expenses: $6,030 Revenue: $9,950

SAILING PROGRAM

Program 3
Expenses: $4,189 Revenue: $2,892

SWIM TEAM

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,396,759
Investment Income $9,800
Other Revenue $0
TOTAL REVENUE $1,406,559

Expense Breakdown

Grants Paid $0
Salaries & Benefits $614,978
Fundraising Expenses $0
Program Expenses $1,426,352
Other Expenses $811,374
TOTAL EXPENSES $1,426,352

Year-over-Year Comparison

2025 2024 Change
Revenue $1,406,559 $1,331,200 +0.1%
Expenses $1,426,352 $1,251,996 +0.1%
Net Income $-19,793 $79,204 -1.2%
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

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Governance

Voting Members
12
Independent Members
12
Employees
87
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
6
$0
Total Directors
6
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JOHN BELL DIRECTOR N/A
Director
$0 $0 $0
CHAD COLE DIRECTOR N/A
Director
$0 $0 $0
LORI MILLER DIRECTOR N/A
Director
$0 $0 $0
CHUCK PHILIP DIRECTOR N/A
Director
$0 $0 $0
DUSTIN TEFS DIRECTOR N/A
Director
$0 $0 $0
DARICK TYLER DIRECTOR N/A
Director
$0 $0 $0
COLIN ANDERSON COMMODORE N/A
Officer
$0 $0 $0
LISA HAAG TREASURER N/A
Officer
$0 $0 $0
COREY HANSEN REAR COMMODO N/A
Officer
$0 $0 $0
TARA SZTYKIEL SECRETARY N/A
Officer
$0 $0 $0
ANTHONY UHRICK FLEET VICE C N/A
Officer
$0 $0 $0
ROBERT WALCK VICE COMMODO N/A
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
2025 $1,406,559 $1,426,352 $2,665,621 $-19,793
2024 $1,331,200 $1,251,996 $2,640,415 $79,204
2023 $1,183,687 $1,208,898 $2,524,466 $-25,211
2022 $1,178,422 $1,119,658 $2,516,935 $58,764
2021 $1,051,238 $964,981 $2,336,303 $86,257
2020 $732,625 $668,637 $2,268,761 $63,988
2019 $980,685 $825,692 $2,179,863 $154,993
2018 $888,337 $848,592 $2,007,425 $39,745
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