HARVEY'S ON THE RIVER YACHT CLUB DBA ROSE ISLAND YACHT CLUB (EIN 611234742) - 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

1989

Legal Domicile

Principal Officer

EVAN CAUBLE

Phone

5023279191

Tax Period

2025-01-01 to 2025-12-31

HARVEY'S ON THE RIVER YACHT CLUB DBA ROSE ISLAND YACHT CLUB, founded in 1989, is a small nonprofit that reported $234K in total revenue in fiscal year 2025. Expenses of $200K left a modest 15% surplus.

Mission

TO PROVIDE MAINTENANCE OF COMMON AREAS FOR THE OWNERS OF THE 140 DOCKS LOCATED IN THE MARINA

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $234,222

Investment Income $11

Other Revenue $0

TOTAL REVENUE $234,233

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $199,963

Other Expenses $199,963

TOTAL EXPENSES $199,963

Year-over-Year Comparison

	2025	2024	Change
Revenue	$234,233	$229,023	+0.0%
Expenses	$199,963	$258,378	-0.2%
Net Income	$34,270	$-29,355	-2.2%

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

N/A

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
GORDON BRAMER	DIRECTOR	2.00	Director	$0	$0	$0
MIKE HARLAMERT	SECRETARY	6.00	Officer Director	$0	$0	$0
MARTIN DOLL	DIRECTOR	2.00	Director	$0	$0	$0
EVAN CAUBLE	COMMODORE	6.00	Officer Director	$0	$0	$0
DAVID METRY	MEMBER-AT-LARGE	2.00	Director	$0	$0	$0
RUSS ENSCH	TREASURER	6.00	Officer Director	$0	$0	$0
JAMES MAGNUS	VICE COMMODORE	6.00	Officer Director	$0	$0	$0
TOMMY KLUSMAN	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL DASLIVA	DIRECTOR	2.00	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
2025	$234,233	$199,963	$269,687	$34,270
2024	$229,023	$258,378	$235,597	$-29,355
2023	$226,151	$216,630	$264,299	$9,521
2022	$203,670	$203,278	$255,786	$392
2021	$204,581	$233,853	$253,349	$-29,272
2020	$346,733	$351,246	$283,839	$-4,513

HARVEY'S ON THE RIVER YACHT CLUB DBA ROSE ISLAND YACHT CLUB