BEDFORD AREA FAMILY YMCA (EIN 541140513) - 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

1981

Legal Domicile

Phone

5405863484

Tax Period

2024-07-01 to 2025-06-30

BEDFORD AREA FAMILY YMCA, founded in 1981, is a community nonprofit in the Human Services sector that reported $1.7M in total revenue in fiscal year 2018. Revenue decreased 10% compared to the prior year. Expenses of $1.6M left a modest 4% surplus.

Mission

THE BEDFORD AREA FAMILY YMCA IS A VITAL COMMUNITY ORGANIZATION SERVING A LARGE AND DIVERSE POPULATION THROUGH A VARIETY OF PROGRAMS AND SERVICES. THE MISSION OF THE YMCA, TO PUT CHRISTIAN PRINCIPLES INTO PRACTICE THROUGH PROGRAMS THAT BUILD HEALTHY SPIRIT, MIND AND BODY FOR ALL, IS NOT ONLY EMBRACED BY STAFF, BOARD OF DIRECTORS AND MEMBERS, BUT IS ALSO EVIDENT IN ALL PROGRAMS AND SERVICES. THE YMCA DOES NOT REFUSE MEMBERSHIPS, PROGRAMS OR SERVICES TO PEOPLE BECAUSE OF THEIR INABILITY TO PAY BUT OFFERS EVERYONE THE OPPORTUNITY TO PARTICIPATE BY GRANTING SCHOLARSHIP AND FEE REDUCTIONS BASED ON FINANCIAL NEED.

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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 $393,435

Program Service Revenue $1,985,956

Investment Income $46,150

Other Revenue $104,415

TOTAL REVENUE $2,529,956

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,492,354

Fundraising Expenses $51,592

Program Expenses $2,184,227

Other Expenses $851,042

TOTAL EXPENSES $2,379,011

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,529,956	$2,370,314	+0.1%
Expenses	$2,379,011	$2,182,045	+0.1%
Net Income	$150,945	$188,269	-0.2%

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

123

Volunteers

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
BRENDA GIBB	CHAIRMAN	2.0	Officer Director	$0	$0	$0
JENNIFER KOHN	SECRETARY/TREASURER	2.0	Officer Director	$0	$0	$0
STEVEN WANDREI	VICE CHAIRMAN	2.0	Officer Director	$0	$0	$0
ANDY CRAWFORD	DIRECTOR	2.0	Director	$0	$0	$0
BENJAMIN BERRY	DIRECTOR	2.0	Director	$0	$0	$0
HARRIET HURT	DIRECTOR	2.0	Director	$0	$0	$0
JAY OWEN	DIRECTOR	2.0	Director	$0	$0	$0
JEFF WITT	DIRECTOR	2.0	Director	$0	$0	$0
JOE PILLOW	DIRECTOR	2.0	Director	$0	$0	$0
JOE WOOTTEN	DIRECTOR	2.0	Director	$0	$0	$0
KIMBERLY DOOLEY	DIRECTOR	2.0	Director	$0	$0	$0
LEVI POOL	DIRECTOR	2.0	Director	$0	$0	$0
MICHAEL MOLDENHAUER	DIRECTOR	2.0	Director	$0	$0	$0
PHILIP BAKER	DIRECTOR	2.0	Director	$0	$0	$0
REGINA BRATTON	DIRECTOR	2.0	Director	$0	$0	$0
STEVE SINGLETON	DIRECTOR	2.0	Director	$0	$0	$0
STEVEN SINGLETON	DIRECTOR	2.0	Director	$0	$0	$0
MARY JO BOONE	EXECUTIVE DIRECTOR	45.0	Highest	$126,941	$22,985	$149,926

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	$2,529,956	$2,379,011	$5,699,636	$150,945
2024	$2,370,314	$2,182,045	$5,781,957	$188,269
2023	$1,866,663	$1,765,555	$5,754,186	$101,108
2022	$2,232,489	$1,575,023	$4,882,055	$657,466
2021	$2,753,540	$1,467,604	$4,212,478	$1,285,936
2020	$1,368,550	$1,489,193	$3,298,133	$-120,643
2019	$1,687,578	$1,623,580	$2,995,474	$63,998

BEDFORD AREA FAMILY YMCA