CHESAPEAKE YACHT CLUB INC (EIN 520619023) - 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

1947

Legal Domicile

Phone

4108671500

Tax Period

2025-01-01 to 2025-12-31

CHESAPEAKE YACHT CLUB INC, founded in 1947, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2025.

Mission

YACHTING SOCIAL CLUB

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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 $756,721

Program Service Revenue $1,376,158

Investment Income $15,457

Other Revenue $657

TOTAL REVENUE $2,148,993

Expense Breakdown

Grants Paid $0

Salaries & Benefits $738,368

Fundraising Expenses $0

Program Expenses $1,124,494

Other Expenses $1,469,332

TOTAL EXPENSES $2,207,700

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,148,993	$2,159,501	0.0%
Expenses	$2,207,700	$2,287,823	0.0%
Net Income	$-58,707	$-128,322	-0.5%

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
Sheri Nelms	Governor	2.00	Director	$0	$0	$0
Joan Stansfield	Governor	2.00	Director	$0	$0	$0
Kathie Sulick	Governor	2.00	Director	$0	$0	$0
Judy Quasney	Governor	2.00	Director	$0	$0	$0
Phil Davies	Rear Commodore	2.00	Officer	$0	$0	$0
Craig Landauer	Past Commodore	2.00	Officer	$0	$0	$0
Bob Daley	Commodore	2.00	Officer	$0	$0	$0
John Engel	Vice Commodore	2.00	Officer	$0	$0	$0
Bill Supernor	Fleet Captain	2.00	Officer	$0	$0	$0
Lee Goodman	Secretary	2.00	Officer	$0	$0	$0
Joe Biddle	Treasurer	2.00	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	$2,148,993	$2,207,700	$5,400,204	$-58,707
2024	No data	No data	No data	No data
2023	$2,031,499	$2,165,928	$5,763,834	$-134,429
2022	$1,832,753	$1,880,369	$6,009,127	$-47,616
2022	$468,463	$445,899	$5,986,206	$22,564
2021	$1,430,584	$1,263,571	$3,842,672	$167,013
2020	$974,257	$917,064	$2,999,591	$57,193
2019	$975,376	$1,054,960	$1,122,063	$-79,584
2018	$1,011,308	$1,073,425	$1,134,131	$-62,117

CHESAPEAKE YACHT CLUB INC