CHESAPEAKE BAY YACHT CLUB OF TALBOT (EIN 520269645) - 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

1887

Legal Domicile

Phone

4108220644

Tax Period

2023-01-01 to 2023-12-31

CHESAPEAKE BAY YACHT CLUB OF TALBOT, founded in 1887, is a small nonprofit that reported $293K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. Net assets of $785K represent 32 months of operating reserves.

Mission

PRIVATE YACHT CLUB FOR THE BENEFIT OF ITS MEMBERS TO PROMOTE AND SHARE COMMON INTERESTS IN YACHTING AND SOCIAL ACTIVITIES

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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 $0

Program Service Revenue $241,170

Investment Income $789

Other Revenue $50,805

TOTAL REVENUE $292,764

Expense Breakdown

Grants Paid $0

Salaries & Benefits $148,471

Fundraising Expenses $0

Program Expenses $14,956

Other Expenses $140,202

TOTAL EXPENSES $288,673

Year-over-Year Comparison

	2023	2022	Change
Revenue	$292,764	$314,600	-0.1%
Expenses	$288,673	$267,240	+0.1%
Net Income	$4,091	$47,360	-0.9%

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

N/A

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	Role	Reportable Comp	Other Comp	Total
BILL BOYD	COMMODORE	Officer Director	$0	$0	$0
MIKE STRANNAHAN	VICE COMMODORE	Officer Director	$0	$0	$0
JOHN VALLIANT	BOARD OF GOV'S	Director	$0	$0	$0
MICHAEL ROMAN	BOARD OF GOV'S	Director	$0	$0	$0
ROBERT T VALLIANT JR	Treasurer	Officer Director	$0	$0	$0
JOHN KNUD-HANSEN	BOARD OF GOV'S	Director	$0	$0	$0
RICHARD HYNSON JR	BOARD OF GOV'S	Director	$0	$0	$0
RICHARD BODORFF	REAR COMMODORE	Officer Director	$0	$0	$0
WILLIAM BOICOURT	BOARD OF GOV'S	Director	$0	$0	$0
DAVID NORTH	BOARD OF GOV'S	Director	$0	$0	$0
MIKE MCCONNELL	Secretary	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
2024	No data	No data	No data	No data
2023	$292,764	$288,673	$1,021,137	$4,091
2022	$314,600	$267,240	$1,014,707	$47,360
2021	$280,324	$242,094	$938,137	$38,230
2020	$264,930	$221,291	$912,170	$43,639
2019	$291,609	$226,599	$870,024	$65,010
2018	$288,583	$226,140	$788,718	$62,443

CHESAPEAKE BAY YACHT CLUB OF TALBOT