RAPPAHANNOCK AREA YMCA SWIM TEAM INC (EIN 541206644) - 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

1998

Legal Domicile

Principal Officer

Michael Kainu

Phone

5402737051

Tax Period

2023-01-01 to 2023-12-31

Rappahannock Area YMCA Swim Team In, founded in 1998, is a community nonprofit in the Recreation & Sports sector that reported $1.1M in total revenue in fiscal year 2018. Expenses of $1.0M left a modest 8% surplus.

Mission

A SWIM TEAM ASSOCIATED WITH THE FREDERICKSBURG AREA YMCA THAT PROVIDES YOUTH WITH THE OPPORTUNITY TO LEARN TO SWIM AND COMPETE. MANY SOCIAL SKILLS ARE TAUGHT TO PROVIDE A WELL-ROUNDED FOUNDATION FOR THE YOUTH.

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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 $888,135

Program Service Revenue $306,584

Investment Income $0

Other Revenue $1,577

TOTAL REVENUE $1,196,296

Expense Breakdown

Grants Paid $0

Salaries & Benefits $632,881

Fundraising Expenses $0

Program Expenses $1,223,208

Other Expenses $697,070

TOTAL EXPENSES $1,329,951

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,196,296	$1,203,432	0.0%
Expenses	$1,329,951	$1,153,547	+0.2%
Net Income	$-133,655	$49,885	-3.7%

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

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
LYDIA GREEN	SOCIAL COMMITTEE CHAIRPERSON	020.00	Officer	$0	$0	$0
BOBBI PARKER	SECRETARY	020.00	Officer	$0	$0	$0
MICHAEL KAINU	PRESIDENT	020.00	Officer	$0	$0	$0
LIZZIE VERBEL	TEAM MANAGER	020.00	Officer	$0	$0	$0
CHRIS SOWERS	TREASURER	020.00	Officer	$0	$0	$0
MEGAN STRUDER	MEET DIRECTOR	020.00	Officer	$0	$0	$0
MICHAELA JOHNSON	VICE PRESIDENT	020.00	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
2024	No data	No data	No data	No data
2023	$1,196,296	$1,329,951	$679,499	$-133,655
2022	$1,203,432	$1,153,547	$831,165	$49,885
2022	$1,203,432	$1,153,547	$831,165	$49,885
2020	$980,523	$920,378	$555,195	$60,145
2020	$980,523	$920,378	$555,195	$60,145
2019	$1,175,900	$1,119,391	$376,247	$56,509
2018	$1,093,762	$1,010,145	$319,672	$83,617

RAPPAHANNOCK AREA YMCA SWIM TEAM INC