DAVIS ISLAND YACHT CLUB (EIN 590870549) - 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

1988

Legal Domicile

Principal Officer

SCOTT LOWKE

Phone

8132511158

Tax Period

2024-04-01 to 2025-03-31

DAVIS ISLAND YACHT CLUB, founded in 1988, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Net assets of $5.3M represent 38 months of operating reserves.

Mission

SOCIAL CLUB WHICH PROVIDES SAILING AND RELATED SERVICES

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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 $1,900

Program Service Revenue $1,146,541

Investment Income $52,255

Other Revenue $472,569

TOTAL REVENUE $1,673,265

Expense Breakdown

Grants Paid $0

Salaries & Benefits $621,921

Fundraising Expenses $0

Program Expenses $1,415,789

Other Expenses $1,214,183

TOTAL EXPENSES $1,836,104

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,673,265	$1,725,781	0.0%
Expenses	$1,836,104	$1,286,478	+0.4%
Net Income	$-162,839	$439,303	-1.4%

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

2390

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
TIMOTHY RUTHERFORD	COMMODORE	5.00	Officer	$0	$0	$0
BRIAN MALONE	VICE COMMODO	5.00	Officer	$0	$0	$0
EDWARD RUARK	REAR COMMODO	5.00	Officer	$0	$0	$0
SCOTT LOWKE	TREASURER	5.00	Officer	$0	$0	$0
NANCY DERINGER	SECRETARY	5.00	Officer	$0	$0	$0
SCOTT MCWILLIAMS	FLEET CAPTAI	5.00	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	$1,673,265	$1,836,104	$5,658,316	$-162,839
2024	$1,725,781	$1,286,478	$5,751,980	$439,303
2023	$1,637,817	$1,414,838	$5,503,865	$222,979
2022	$1,533,434	$1,328,304	$5,257,610	$205,130
2021	$1,333,091	$1,292,570	$5,036,734	$40,521
2020	$1,458,293	$1,380,608	$4,953,591	$77,685
2019	$1,484,293	$1,288,956	$4,744,995	$195,337

DAVIS ISLAND YACHT CLUB