ST PAUL 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

1912

Legal Domicile

Principal Officer

BILL TSCHOHL

Phone

6512928964

Tax Period

2024-01-01 to 2024-12-31

ST PAUL YACHT CLUB, founded in 1912, is a small nonprofit that reported $658K in total revenue in fiscal year 2024. The organization ran a surplus of $107K, a strong 16% operating margin.

Mission

TO PROMOTE SAFE AND AFFORDABLE BOATING AND TO SUPPORT APPROPRIATE SOCIAL ACTIVITIES FOR ITS MEMBERS AND BOATERS, A SUITABLE ENVIRONMENT FOR ITS COMMUNITY AND GENERAL ENJOYMENT OF THE RIVER.

Program Service Accomplishments

Program 1

TO PROVIDE MODEST, AFFORDABLE AND ENJOYABLE BOATING FACILITIES TO MEMBERS BY PROVIDING SERVICES SUCH AS SUMMER DOCKAGE, WINTER STORAGE, LIFT, UTILITIES AND OTHER MARINA RELATED SERVICES.

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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 $0

Program Service Revenue $652,533

Investment Income $15,323

Other Revenue $-10,201

TOTAL REVENUE $657,655

Expense Breakdown

Grants Paid $0

Salaries & Benefits $240,460

Fundraising Expenses $0

Other Expenses $310,404

TOTAL EXPENSES $550,864

Year-over-Year Comparison

	2024	2023	Change
Revenue	$657,655	$653,018	+0.0%
Expenses	$550,864	$698,771	-0.2%
Net Income	$106,791	$-45,753	-3.3%

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

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
BILL TSCHOHL	COMMODORE	5.00	Officer Director	$0	$0	$0
GREG JORGENSEN	IMMEDIATE PAST COMMODORE	5.00	Officer Director	$0	$0	$0
NATHAN SCHUMANN	VICE COMMODORE	1.00	Officer Director	$0	$0	$0
LYNN ADLER	TREASURER	5.00	Officer Director	$0	$0	$0
TROY JANNISCH	SECRETARY	5.00	Officer Director	$0	$0	$0
DIANE SCOVILL	BOARD AT LARGE	1.00	Director	$0	$0	$0
ANDY RISTROM	BOARD AT LARGE	1.00	Director	$0	$0	$0
TOM SURPRENANT	BOARD AT LARGE	1.00	Director	$0	$0	$0
ANDREA JOHNSON	BOARD AT LARGE	1.00	Director	$0	$0	$0
JON OULMAN	BOARD AT LARGE	1.00	Director	$0	$0	$0
DAVID NELSON	BOARD AT LARGE	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
2024	$657,655	$550,864	$837,650	$106,791
2023	$653,018	$698,771	$1,375,055	$-45,753
2022	$700,980	$766,953	$1,497,975	$-65,973
2021	$607,517	$490,035	$1,649,197	$117,482
2020	$491,927	$406,599	$1,356,537	$85,328
2020	$622,378	$530,253	$1,344,378	$92,125
2019	$618,673	$547,217	$1,329,930	$71,456
2018	$539,634	$555,686	$1,342,660	$-16,052