ROCK HALL YACHT CLUB INC

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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

1936

Legal Domicile

Principal Officer

DEBBIE CAMPION

Phone

2153850258

Tax Period

2023-11-01 to 2024-10-31

ROCK HALL YACHT CLUB INC, founded in 1936, is a small nonprofit that reported $291K in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion.

Mission

ESTABLISHED IN 1937, THE ROCK HALL YACHT CLUB, RHYC, ON THE CHESAPEAKE BAY'S EASTERN SHORE HAS A RICH HISTORY OF CONVIVIALITY AND VOLUNTEER TEAMWORK. THE CLUB'S MEMBERSHIP IS COMPOSED OF PERSONS FROM ALL WALKS OF LIFE. THE MAIN GOAL OF THE CLUB IS TO PROMOTE A SENSE OF COMMUNITY AND ENJOYMENT IN, ON, AND AROUND THE WATER.

Program Service Accomplishments

Program 1

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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 $1,790

Program Service Revenue $230,013

Investment Income $159

Other Revenue $58,575

TOTAL REVENUE $290,537

Expense Breakdown

Grants Paid $0

Salaries & Benefits $127,274

Fundraising Expenses $0

Other Expenses $167,057

TOTAL EXPENSES $294,331

Year-over-Year Comparison

	2023	2022	Change
Revenue	$290,537	$254,383	+0.1%
Expenses	$294,331	$282,631	+0.0%
Net Income	$-3,794	$-28,248	-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

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
DEBBIE CAMPION	PRESIDENT	N/A	Director	$0	$0	$0
ROBERT DUNLAP	SECRETARY	N/A	Director	$0	$0	$0
JAMES PINKIN	TREASURER	N/A	Director	$0	$0	$0
TODD STEFFES	VICE PRESIDE	N/A	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	No data	No data	No data	No data
2024	$290,537	$294,331	$310,165	$-3,794
2023	$254,383	$282,631	$231,123	$-28,248
2022	$231,621	$260,702	$270,433	$-29,081
2021	$280,281	$238,973	$311,408	$41,308
2020	$228,248	$257,403	$280,208	$-29,155
2019	$202,473	$176,920	$320,462	$25,553