GRAND TRAVERSE BAY YMCA (EIN 381709640) - 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

1964

Legal Domicile

Phone

2319339622

Tax Period

2024-01-01 to 2024-12-31

GRAND TRAVERSE BAY YMCA, founded in 1964, is a community nonprofit that reported $9.8M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.2M, a strong 23% operating margin.

Mission

TO PUT JUDEO-CHRISTIAN PRINCIPLES INTO PRACTICE THROUGH PROGRAMS THAT BUILD HEALTHY SPIRIT, MIND, AND BODY FOR ALL.

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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 $2,199,945

Program Service Revenue $7,148,319

Investment Income $323,864

Other Revenue $146,730

TOTAL REVENUE $9,818,858

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,506,551

Fundraising Expenses $300,397

Program Expenses $6,915,733

Other Expenses $3,029,004

TOTAL EXPENSES $7,607,700

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,818,858	$9,043,507	+0.1%
Expenses	$7,607,700	$6,890,717	+0.1%
Net Income	$2,211,158	$2,152,790	+0.0%

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

289

Volunteers

458

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

$359,028

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRAD PAVWOSKI	BOARD MEMBER	1.0	Director	$0	$0	$0
CHRISTINA NOVAK	BOARD MEMBER	1.0	Director	$0	$0	$0
DEAN ADAMS	BOARD MEMBER	1.0	Director	$0	$0	$0
JENNIFER FRANKHOUSE	BOARD MEMBER	1.0	Director	$0	$0	$0
KARRIE ZEITS	BOARD MEMBER	1.0	Director	$0	$0	$0
MARSHALL COLLINS	BOARD MEMBER	1.0	Director	$0	$0	$0
MARY BETH MORRISON	BOARD MEMBER	1.0	Director	$0	$0	$0
SID VANSLYKE	BOARD MEMBER	1.0	Director	$0	$0	$0
TIFINI MCCLYDE-BLYTHE	BOARD MEMBER	1.0	Director	$0	$0	$0
TYLER BARTOSH	BOARD MEMBER	1.0	Director	$0	$0	$0
ANDREW PAGE	PRESIDENT/CHIEF EXECUTIVE OFFICER	40.0	Officer	$212,596	$6,389	$218,985
DAVID ROWE	BOARD CHAIR	3.0	Officer	$0	$0	$0
GINNY BILACIC	CHIEF OPERATIONS OFFICER	40.0	Officer	$135,951	$4,092	$140,043
KEVIN KLEIN	BOARD VICE CHAIR	3.0	Officer	$0	$0	$0
LAURA GLENN	BOARD SECRETARY	3.0	Officer	$0	$0	$0
MARK WILSON	IMMEDIATE PAST BOARD CHAIR	3.0	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	$9,818,858	$7,607,700	$22,814,829	$2,211,158
2023	$9,043,507	$6,890,717	$20,660,627	$2,152,790
2022	$6,860,767	$5,957,437	$19,309,477	$903,330
2021	$7,717,823	$5,144,573	$18,817,614	$2,573,250
2020	$5,321,998	$4,901,084	$16,474,350	$420,914
2019	$6,362,880	$6,115,503	$15,921,665	$247,377
2018	$5,888,427	$5,791,266	$15,814,863	$97,161

GRAND TRAVERSE BAY YMCA