BAY CITY YACHT CLUB

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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

1954

Legal Domicile

Principal Officer

SCOTT DEVUYST

Phone

9896861130

Tax Period

2025-01-01 to 2025-12-31

BAY CITY YACHT CLUB, founded in 1954, is a small nonprofit that reported $318K in total revenue in fiscal year 2025. Expenses of $287K left a modest 10% surplus.

Mission

PROMOTION OF SAFE RECREATIONAL BOATING ACTIVITIES

Program Service Accomplishments

Program 1

Expenses: $157,084 Revenue: $143,178

INFORMATIONAL PUBLICATIONS AVAILABLE TO THE MEMBERSHIP TO IMPROVE THEIR KNOWLEDGE AND SOCIAL EVENTS TO PROMOTE INTEREST IN SAFE BOATING ACTIVITIES AND NAVIGATION IN THE AREA

Program 2

Expenses: $93,773 Revenue: $144,427

MOORING FACILITIES PROMOTE A SOCIAL ATMOSPHERE FOR THE SAFE USE AND ENJOYMENT OF THE NATURAL WATERWAYS AVAILABLE TO THE MEMBERSHIP

Program 3

Expenses: $23,766 Revenue: $27,496

FOOD AND BEVERAGE SERVICES TO 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 $2,672

Program Service Revenue $315,101

Investment Income $608

Other Revenue $0

TOTAL REVENUE $318,381

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,632

Fundraising Expenses $0

Program Expenses $274,623

Other Expenses $278,458

TOTAL EXPENSES $287,090

Year-over-Year Comparison

	2025	2024	Change
Revenue	$318,381	$297,712	+0.1%
Expenses	$287,090	$292,923	0.0%
Net Income	$31,291	$4,789	+5.5%

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
STEVE BLAND	DIRECTOR	N/A	Director	$0	$0	$0
DAVE BRADEN	DIRECTOR	N/A	Director	$0	$0	$0
EMERY SCHEIBERT	DIRECTOR	N/A	Director	$0	$0	$0
JOE SHOTWELL	FACILITIES C	N/A	Officer Director	$0	$0	$0
DON STEFANSKI	DIRECTOR	N/A	Director	$0	$0	$0
KEITH YAWORSKI	DIRECTOR	N/A	Director	$0	$0	$0
SCOTT DEVUYST	TREASURER	N/A	Officer	$0	$0	$0
DAVE GATZA	COMMODORE	N/A	Officer	$0	$0	$0
CARRIE HOUTMAN	REAR COMMODO	N/A	Officer	$0	$0	$0
BRIAN JACOBS	FLEET CAPTAI	N/A	Officer	$0	$0	$0
SUZANNE MAXWELL	SECRETARY	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	$318,381	$287,090	$1,498,119	$31,291
2024	$297,712	$292,923	$1,469,035	$4,789
2023	$278,558	$376,760	$1,468,093	$-98,202
2022	$258,845	$271,436	$1,563,988	$-12,591
2021	$264,132	$196,451	$1,574,912	$67,681
2020	$229,687	$185,933	$1,506,211	$43,754
2019	$237,432	$228,863	$1,522,456	$8,569