CLEAR LAKE YACHT CLUB SAILING SCHO… - Form 990 Financial Data

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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

1970

Legal Domicile

Principal Officer

JENNY AMBLE

Phone

5155542013

Tax Period

2025-01-01 to 2025-12-31

CLEAR LAKE YACHT CLUB SAILING SCHOOL, founded in 1970, is a micro nonprofit that reported $55K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year. Expenses of $75K exceeded revenue, resulting in a 35% operating deficit.

Mission

TO PROMOTE RECREATIONAL SAILING ON CLEAR LAKE, IA THROUGH SAILING CLASSES FOR CHILDREN AND ADULTS.

Program Service Accomplishments

Program 1

Expenses: $74,691 Revenue: $35,634

TO PROMOTE RECREATIONAL SAILING ON CLEAR LAKE, IA THROUGH SAILING CLASSES FOR CHILDREN AND ADULTS

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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 $19,599

Program Service Revenue $35,634

Investment Income $0

Other Revenue $0

TOTAL REVENUE $55,233

Expense Breakdown

Grants Paid $0

Salaries & Benefits $33,728

Fundraising Expenses $0

Program Expenses $74,691

Other Expenses $40,963

TOTAL EXPENSES $74,691

Year-over-Year Comparison

	2025	2024	Change
Revenue	$55,233	$63,598	-0.1%
Expenses	$74,691	$68,336	+0.1%
Net Income	$-19,458	$-4,738	+3.1%

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

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
JENNY AMBLE	SECRATARY/TR	6.00	Officer 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
2025	$55,233	$74,691	$83,814	$-19,458
2024	$63,598	$68,336	$112,386	$-4,738
2023	$126,391	$46,319	$112,985	$80,072
2022	$79,851	$77,124	$36,113	$2,727
2021	$118,111	$120,855	$33,601	$-2,744

CLEAR LAKE YACHT CLUB SAILING SCHOOL