SEAFORD YACHT CLUB INC (EIN 541109728) - 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

1978

Legal Domicile

Phone

7572889791

Tax Period

2024-02-01 to 2025-01-31

SEAFORD YACHT CLUB INC, founded in 1978, is a small nonprofit that reported $126K in total revenue in fiscal year 2018. Expenses of $112K left a modest 11% surplus.

Mission

BOATING SAFETY AND MARINE RESOURCE PRESERVATION

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $155,188

Investment Income $3,835

Other Revenue $-2,883

TOTAL REVENUE $156,140

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $149,505

Other Expenses $149,505

TOTAL EXPENSES $149,505

Year-over-Year Comparison

	2024	2023	Change
Revenue	$156,140	$128,721	+0.2%
Expenses	$149,505	$154,499	0.0%
Net Income	$6,635	$-25,778	-1.3%

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

N/A

Volunteers

234

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
SCOTT HUMMER	Trustee	Director	$0	$0	$0
BARBARA GEORGIANNA	Trustee	Director	$0	$0	$0
CHRIS TREACY	PAST COMMODORE	Officer Director	$0	$0	$0
GLEN MCDERMOTT	COMMODORE	Officer Director	$0	$0	$0
ROSALIE MITCHELL	Treasurer	Officer Director	$0	$0	$0
TARA BOWMAN	Secretary	Officer Director	$0	$0	$0
SANDY ALEXANDER	VICE COMMODORE	Officer Director	$0	$0	$0
LISA CARRINGTON	Trustee	Director	$0	$0	$0
WILLIAM YOUNG	REAR COMMODORE	Officer Director	$0	$0	$0
JIMMY JONES	Trustee	Director	$0	$0	$0
WINNIE FELDHAUS	Trustee	Director	$0	$0	$0
DAN OKLESSON	Trustee	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	$156,140	$149,505	$737,748	$6,635
2024	$128,721	$154,499	$743,173	$-25,778
2023	$165,208	$156,401	$795,757	$8,807
2022	$143,968	$153,910	$831,313	$-9,942
2021	$125,928	$126,035	$862,675	$-107
2020	$117,830	$107,903	$549,345	$9,927
2019	$125,640	$111,638	$460,727	$14,002

SEAFORD YACHT CLUB INC