ST ANDREWS BAY YACHT CLUB INC (EIN 590526027) - Form 990 Financial Analysis & Trantor Score

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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

1933

Legal Domicile

Principal Officer

TIFFANY ENNIS

Phone

8507692453

Tax Period

2022-01-01 to 2022-12-31

ST ANDREWS BAY YACHT CLUB INC, founded in 1933, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2022. Revenue decreased 10% compared to the prior year. Expenses of $1.1M left a modest 7% surplus.

Mission

TO ENCOURAGE AND DEVELP ACTIVITIES THAT PARTICIPATE IN THE NATURE OF YACHTING AND BOATING, TO FORM A CLOSE ASSOCIATION AMONG ITS MEMBERS AND THE MEMBERS OF OTHER YACHT CLUBS THROUGHOUT THE GULF COAST.

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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 (2022)

Revenue Breakdown

Contributions & Grants $1,095,352

Program Service Revenue $0

Investment Income $-14,565

Other Revenue $54,781

TOTAL REVENUE $1,135,568

Expense Breakdown

Grants Paid $0

Salaries & Benefits $461,889

Fundraising Expenses $0

Other Expenses $589,177

TOTAL EXPENSES $1,051,066

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,135,568	$1,255,776	-0.1%
Expenses	$1,051,066	$1,055,154	0.0%
Net Income	$84,502	$200,622	-0.6%

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

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	Role	Reportable Comp	Other Comp	Total
JASON CROWE	COMMODORE	Director	$0	$0	$0
CHRIS CUMBERLAND	IMM PAST COMMOD	Director	$0	$0	$0
BRIAN DAVIDSON	Director	Director	$0	$0	$0
KEN GUMMELS	FCYC DIRECTOR	Director	$0	$0	$0
SUSAN HARRISON	Director	Director	$0	$0	$0
WILLIAM C CRAMER III	VICE COMMODORE	Director	$0	$0	$0
LORIANNE MCELHANEY	Secretary	Director	$0	$0	$0
BRIAN NEUBAUER	Director	Director	$0	$0	$0
CARLEY SOSTHEIM	Director	Director	$0	$0	$0
CHRISTOPHER STAMPS	Treasurer	Director	$0	$0	$0
MARC BULLER	FLEET DIRECTOR	Director	$0	$0	$0
MICHAEL WYNN	Director	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
2022	$1,135,568	$1,051,066	$1,856,219	$84,502
2021	$1,255,776	$1,055,154	$1,863,917	$200,622
2020	$1,069,012	$906,235	$2,344,173	$162,777
2018	$656,613	$887,545	$1,567,696	$-230,932
2017	$689,292	$831,498	$1,627,803	$-142,206

ST ANDREWS BAY YACHT CLUB INC