CONCORD YACHT CLUB 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

1950

Legal Domicile

Principal Officer

ROB HERCHENRIDER

Phone

8656711210

Tax Period

2025-01-01 to 2025-12-31

CONCORD YACHT CLUB INC, founded in 1950, is a small nonprofit that reported $304K in total revenue in fiscal year 2025. The organization ran a surplus of $110K, a strong 36% operating margin.

Mission

TO PROMOTE SAILING, SAILBOAT SAFETY AND SAILBOAT RACING

Program Service Accomplishments

Program 1

Expenses: $4,780

THE ORGANIZATION CONDUCTED SAILBOAT REGATTAS AND RACING EVENTS AND SAILBOAT SAFETY AND TRAINING CLASSES

Program 2

Expenses: $77,992 Revenue: $93,298

THE ORGANIZATION PROVIDED BOAT SLIPS, BOAT MAINTENANCE FACILITIES AND MEETING SPACE FOR MEMBERS

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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 $82,055

Program Service Revenue $208,157

Investment Income $14,201

Other Revenue $0

TOTAL REVENUE $304,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $194,363

Other Expenses $194,363

TOTAL EXPENSES $194,363

Year-over-Year Comparison

	2025	2024	Change
Revenue	$304,413	$283,662	+0.1%
Expenses	$194,363	$185,200	+0.0%
Net Income	$110,050	$98,462	+0.1%

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

157

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
ROB HERCHENRIDER	PRESIDENT	2.00	Officer	$0	$0	$0
ERICA MITCHELL	SECRETARY	2.00	Officer	$0	$0	$0
GARY LYNN	ASSISTANT TR	2.00	Officer	$0	$0	$0
BRIAN HOWELL	REAR COMMODO	2.00	Officer	$0	$0	$0
CULVER SCHMID	1ST VICE COM	2.00	Officer	$0	$0	$0
PHILLIP SPURLIN	2ND VICE COM	2.00	Officer	$0	$0	$0
JORG HOLBERG	EDUCATION	2.00	Officer	$0	$0	$0
BRYSON BOSSON	SOCIAL	2.00	Officer	$0	$0	$0
MELISSA KUNC	TREASURER	2.00	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	$304,413	$194,363	$978,592	$110,050
2024	$283,662	$185,200	$879,298	$98,462
2023	$266,306	$209,403	$791,194	$56,903
2022	$256,494	$430,757	$736,058	$-174,263
2021	$192,997	$177,842	$883,388	$15,155
2020	$185,106	$217,754	$841,789	$-32,648
2019	$198,154	$205,191	$895,653	$-7,037
2018	$187,177	$258,656	$886,661	$-71,479