OWENSBORO FAMILY YMCA TRUST INC

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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

1995

Legal Domicile

Principal Officer

NOEL CLAYTON

Phone

2709269622

Tax Period

2024-01-01 to 2024-12-31

OWENSBORO FAMILY YMCA TRUST INC, founded in 1995, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $109K in total revenue in fiscal year 2024. Net assets of $1.3M represent 147 months of operating reserves.

Mission

TO AID AND PROMOTE IN CARRYING OUT THE MISSION AND PURPOSE OF THE OWENSBORO FAMILY YMCA, A 501(C)(3) ORGANIZATION, BY PROVIDING CONSISTENT ANNUAL FINANCIAL SUPPORT TO CURRENT OPERATING NEEDS.

Program Service Accomplishments

Program 1

Expenses: $105,901

MAINTAINED AND INVESTED DONATIONS AND BEQUESTS RECEIVED, WITH INVESTMENT PROCEEDS DISBURSED TO THE OWENSBORO FAMILY YMCA TO SUPPORT ITS CHARITABLE MISSION.

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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 $0

Investment Income $109,127

Other Revenue $0

TOTAL REVENUE $109,127

Expense Breakdown

Grants Paid $96,217

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $105,901

Other Expenses $9,684

TOTAL EXPENSES $105,901

Year-over-Year Comparison

	2024	2023	Change
Revenue	$109,127	$101,230	+0.1%
Expenses	$105,901	$91,867	+0.2%
Net Income	$3,226	$9,363	-0.7%

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

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
TERRY WOODWARD	TRUSTEE	2.00	Director	$0	$0	$0
MALCOLM BRYANT	TRUSTEE	2.00	Director	$0	$0	$0
NOEL CLAYTON	PRESIDENT	2.00	Officer Director	$0	$0	$0
FRED MAY	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
ARTHUR HARRELD	TRUSTEE	2.00	Director	$0	$0	$0
ABBY SHELTON	TRUSTEE - Y BOD CHAIR	2.00	Director	$0	$0	$0
BO IVEY	SECRETARY	0.00	Officer Director	$0	$0	$0
CAROL BOTHWELL	TREASURER	0.00	Officer 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
2024	$109,127	$105,901	$1,336,690	$3,226
2023	$101,230	$91,867	$1,310,753	$9,363
2022	$56,551	$62,075	$1,283,037	$-5,524
2021	$198,319	$77,398	$1,396,702	$120,921
2020	$161,075	$94,255	$1,233,994	$66,820
2019	$28,610	$286,083	$967,174	$-257,473
2018	$52,130	$48,000	$1,076,724	$4,130