SAUGATUCK YACHT CLUB SAILING PROGRAM (EIN 383139879) - 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

1936

Legal Domicile

Principal Officer

TRAVIS GRAY

Tax Period

2023-01-01 to 2023-12-31

SAUGATUCK YACHT CLUB SAILING PROGRAM, founded in 1936, is a small nonprofit in the Unknown sector that reported $181K in total revenue in fiscal year 2023. Expenses of $209K exceeded revenue, resulting in a 15% operating deficit.

Mission

INSTRUCTION ON THE SAFE USE AND OPERATION OF BOATS

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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 (2023)

Revenue Breakdown

Contributions & Grants $58,473

Program Service Revenue $108,369

Investment Income $0

Other Revenue $14,400

TOTAL REVENUE $181,242

Expense Breakdown

Grants Paid $0

Salaries & Benefits $81,387

Fundraising Expenses $5,999

Program Expenses $196,950

Other Expenses $127,614

TOTAL EXPENSES $209,001

Year-over-Year Comparison

	2023	2022	Change
Revenue	$181,242	$170,313	+0.1%
Expenses	$209,001	$170,443	+0.2%
Net Income	$-27,759	$-130	+212.5%

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
LINDSAY KENZINGER	PRESIDENT	N/A	Director	$0	$0	$0
TOM JUNTENEN	VICE PRESIDE	N/A	Director	$0	$0	$0
TRAVIS GRAY	TREASURER	N/A	Director	$0	$0	$0
ERIC HOUTKOOPER	SECRETARY	N/A	Director	$0	$0	$0
ERIKA LACERDA	DIRECTOR	N/A	Director	$0	$0	$0
MOLLY AYERS	DIRECTOR	N/A	Director	$0	$0	$0
DAVE IHLE	DIRECTOR	N/A	Director	$0	$0	$0
JESSICA RUTHSATZ	DIRECTOR	N/A	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
2024	No data	No data	No data	No data
2023	$181,242	$209,001	$1,322,447	$-27,759
2022	$170,313	$170,443	$1,371,484	$-130
2021	$155,644	$171,243	$1,395,819	$-15,599
2020	$210,416	$149,296	$1,482,876	$61,120
2019	$118,448	$147,750	$1,427,083	$-29,302
2018	$95,413	$142,821	$1,457,456	$-47,408

SAUGATUCK YACHT CLUB SAILING PROGRAM