FISHING BAY YACHT CLUB INC (EIN 540514093) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1939

Legal Domicile

Principal Officer

DOUGLAS S BENDURA

Phone

8047769346

Tax Period

2023-12-01 to 2024-11-30

FISHING BAY YACHT CLUB INC, founded in 1939, is a small nonprofit that reported $797K in total revenue in fiscal year 2017. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $991K exceeded revenue, resulting in a 24% operating deficit.

Mission

TO PROMOTE AND DEVELOP THE ART AND SCIENCE OF SAILING

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $690,520

Investment Income $5,479

Other Revenue $279,856

TOTAL REVENUE $975,855

Expense Breakdown

Grants Paid $0

Salaries & Benefits $169,578

Fundraising Expenses $0

Other Expenses $550,943

TOTAL EXPENSES $720,521

Year-over-Year Comparison

	2023	2022	Change
Revenue	$975,855	$899,807	+0.1%
Expenses	$720,521	$800,588	-0.1%
Net Income	$255,334	$99,219	+1.6%

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

100

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
DOUGLAS S BENDURA	COMMODORE	1.00	Officer Director	$0	$0	$0
MARY ALMANY	VICE COMMODO	1.00	Officer Director	$0	$0	$0
MASON T CHAPMAN	REAR COMMODO	1.00	Officer Director	$0	$0	$0
JOANNA WENSELL	SECRETARY	1.00	Officer Director	$0	$0	$0
VERONICA T HINCKLE	TREASURER	1.00	Officer Director	$0	$0	$0
DAVID S HINCKLE	TRUSTEE	1.00	Director	$0	$0	$0
ELIZABETH P STAAS	TRUSTEE	1.00	Director	$0	$0	$0
SUSAN J WRIGHT	TRUSTEE	1.00	Director	$0	$0	$0
DR MARK G WENSELL	MEMBER AT LA	1.00	Director	$0	$0	$0
MICHAEL S CHESSER	TRUSTEE	1.00	Director	$0	$0	$0
GLENN W DONCASTER	TRUSTEE	1.00	Director	$0	$0	$0
JONATHAN M DEUTSCH	TRUSTEE	1.00	Director	$0	$0	$0
JOHN G KOEDEL III	TRUSTEE	1.00	Director	$0	$0	$0
L PARKER GARRETT	TRUSTEE	1.00	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	$975,855	$720,521	$4,308,002	$255,334
2023	$899,807	$800,588	$4,098,311	$99,219
2022	$854,559	$963,594	$4,043,912	$-109,035
2021	$691,096	$921,638	$3,898,472	$-230,542
2020	$651,622	$558,413	$4,011,580	$93,209
2019	$756,731	$582,155	$3,989,736	$174,576
2018	$796,584	$990,745	$3,888,665	$-194,161

FISHING BAY YACHT CLUB INC