ST CROIX YACHT CLUB (EIN 411491616) - 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

1946

Legal Domicile

Principal Officer

Maggie Tatton

Phone

6128456985

Tax Period

2025-01-01 to 2025-12-31

ST CROIX YACHT CLUB, founded in 1946, is a small nonprofit that reported $218K in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year. Expenses of $187K left a modest 15% surplus.

Mission

The promotion of social, boating and aquatic functions on the St. Croix and Upper Mississippi Rivers

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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 $210,375

Program Service Revenue $0

Investment Income $1,595

Other Revenue $6,388

TOTAL REVENUE $218,358

Expense Breakdown

Grants Paid $0

Salaries & Benefits $28,969

Fundraising Expenses $0

Program Expenses $0

Other Expenses $157,720

TOTAL EXPENSES $186,689

Year-over-Year Comparison

	2025	2024	Change
Revenue	$218,358	$236,555	-0.1%
Expenses	$186,689	$200,896	-0.1%
Net Income	$31,669	$35,659	-0.1%

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

200

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
John Nelson	Vice Commodore	12	Officer Director	$0	$0	$0
Bert Windhorst	Rear Commodore	12	Officer Director	$0	$0	$0
John Lammers	Steward	16	Officer Director	$0	$0	$0
Jesse Kvitek	Immediate Past Commodore	2	Officer Director	$0	$0	$0
Stephen Markert	Director	1	Director	$0	$0	$0
Gary Marquard	Director	1	Director	$0	$0	$0
Paul Sinz	Director	1	Director	$0	$0	$0
Jason Kramber	Director	1	Director	$0	$0	$0
Russ Jundt	Director	1	Director	$0	$0	$0
Trudy Ryan	Director	1	Director	$0	$0	$0
Julie LaCroix	Director	1	Director	$0	$0	$0
Dave Baum	Director	1	Director	$0	$0	$0
Matthew Schille	Director	1	Director	$0	$0	$0
Todd Meisner	Director	1	Director	$0	$0	$0
Maggie Tatton	Commodore	12	Officer	$0	$0	$0
Rob Rueckl	Treasurer	1	Officer	$0	$0	$0
Bruce Rivers	Judge Advocate	1	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	$218,358	$186,689	$626,299	$31,669
2024	$236,555	$200,896	$598,542	$35,659
2023	$258,277	$221,998	$541,858	$36,279
2022	$249,846	$192,735	$504,597	$57,111
2021	$214,850	$232,578	$433,656	$-17,728
2020	$173,958	$155,317	$429,049	$18,641

ST CROIX YACHT CLUB