CHATTANOOGA YACHT CLUB (EIN 620156435) - 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

1925

Legal Domicile

Principal Officer

PORTER RAULSTON

Phone

4233446033

Tax Period

2023-01-01 to 2023-12-31

CHATTANOOGA YACHT CLUB, founded in 1925, is a small nonprofit that reported $819K in total revenue in fiscal year 2023. Net assets of $2.3M represent 34 months of operating reserves.

Mission

SOCIAL ORGANIZATION WITH A COMMON INTEREST

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $568,904

Investment Income $9,642

Other Revenue $240,001

TOTAL REVENUE $818,547

Expense Breakdown

Grants Paid $0

Salaries & Benefits $249,508

Fundraising Expenses $0

Program Expenses $803,925

Other Expenses $556,547

TOTAL EXPENSES $806,055

Year-over-Year Comparison

	2023	2022	Change
Revenue	$818,547	$807,125	+0.0%
Expenses	$806,055	$684,051	+0.2%
Net Income	$12,492	$123,074	-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	Role	Reportable Comp	Other Comp	Total
SCOTT HOLDEN	DIRECTOR	Director	$0	$0	$0
CHRIS BURTON	DIRECTOR	Director	$0	$0	$0
JOE CONNOR	DIRECTOR	Director	$0	$0	$0
RANDY FINNELL	DIRECTOR	Director	$0	$0	$0
STUART NELSON	DIRECTOR	Director	$0	$0	$0
KEITH CLINGAN	PRESIDENT	Officer	$0	$0	$0
ROBERT KIRBY	VICE PRESIDENT	Officer	$0	$0	$0
LARRY BENTLEY	TREASURER	Officer	$0	$0	$0
BOB MCKENZIE	SECRETARY	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
2024	No data	No data	No data	No data
2023	$818,547	$806,055	$2,484,043	$12,492
2022	$807,125	$684,051	$2,587,127	$123,074
2021	$730,481	$580,443	$2,475,745	$150,038
2020	$739,301	$615,960	$2,381,323	$123,341
2019	$730,655	$603,817	$2,292,768	$126,838
2018	$728,074	$635,478	$2,250,164	$92,596

CHATTANOOGA YACHT CLUB