HOBE SOUND YACHT CLUB (EIN 590756893) - 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

1972

Legal Domicile

Principal Officer

ANDREW DWYER

Phone

7725465116

Tax Period

2024-09-01 to 2025-08-31

HOBE SOUND YACHT CLUB, founded in 1972, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. Expenses of $1.7M left a modest 3% surplus.

Mission

TO PROVIDE DINING FACILITIES FOR MEMBERS TO SOCIALIZE AND ENGAGE IN RECREATIONAL ACTIVITIES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,278,333

Investment Income $37,831

Other Revenue $426,928

TOTAL REVENUE $1,743,092

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,137,103

Fundraising Expenses $0

Program Expenses $1,530,411

Other Expenses $550,965

TOTAL EXPENSES $1,688,068

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,743,092	$2,060,371	-0.2%
Expenses	$1,688,068	$1,595,825	+0.1%
Net Income	$55,024	$464,546	-0.9%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
CANDI BAGBY	DIRECTOR	1.00	Officer	$0	$0	$0
JENNY BANKS	DIRECTOR	1.00	Officer	$0	$0	$0
KENNETH BOTSFORD	DIRECTOR	1.00	Officer	$0	$0	$0
JEAN CALHOUN	DIRECTOR	1.00	Officer	$0	$0	$0
BRYAN COLLEY	DIRRECTOR	1.00	Officer	$0	$0	$0
LODEWIJK DEVINK	DIRECTOR	1.00	Officer	$0	$0	$0
ANDREW DWYER	TREASURER	2.00	Officer	$0	$0	$0
MAXINE FARRELL	COMMODORE	2.00	Officer	$0	$0	$0
FRED HANSER	DIRECTOR	1.00	Officer	$0	$0	$0
NIVIN MACMILLAN	DIRECTOR	1.00	Officer	$0	$0	$0
TED MCGRAW	VICE COMMODO	2.00	Officer	$0	$0	$0
KATE NIELSEN	DIRECTOR	1.00	Officer	$0	$0	$0
SUSIE PARSONS	DIRECTOR	1.00	Officer	$0	$0	$0
SETH PIERREPONT	DIRECTOR	1.00	Officer	$0	$0	$0
JAY REMSEN	DIRECTOR	1.00	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
2025	$1,743,092	$1,688,068	$1,980,483	$55,024
2024	$2,060,371	$1,595,825	$1,944,846	$464,546
2023	$1,293,792	$1,423,763	$1,439,682	$-129,971
2022	$1,248,395	$1,345,209	$1,574,720	$-96,814
2021	$1,301,885	$1,157,240	$1,660,806	$144,645
2020	$1,336,399	$1,177,917	$1,524,958	$158,482
2019	$1,175,534	$1,261,814	$1,369,581	$-86,280
2018	$1,359,292	$1,467,345	$1,287,360	$-108,053

HOBE SOUND YACHT CLUB