PRIVATEER YACHT CLUB

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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

1940

Legal Domicile

Principal Officer

Bill Jennings

Phone

4238779411

Tax Period

2025-01-01 to 2025-12-31

PRIVATEER YACHT CLUB, founded in 1940, is a small nonprofit that reported $400K in total revenue in fiscal year 2025. Revenue surged 102% from the prior year, signaling strong growth momentum. The organization ran a surplus of $112K, a strong 28% operating margin.

Mission

PROMOTE SAILING, WATERSPORTS AND ATHLETIC ENDEAVORS ON AND IN THE VICINITY OF THE TENNESSEE VALLEY LAKES.

Program Service Accomplishments

Program 1

Expenses: $7,870 Revenue: $7,705

PRIVATEER YACHT CLUB HOSTS SEVERAL SUCCESSFUL REGATTAS THROUGHOUT THE YEAR.

Program 2

Expenses: $19,648 Revenue: $9,792

PRIVATEER YACHT CLUB PROMOTES MEMBER INTERACTIONS THROUGHOUT THE YEAR THROUGH SOCIALS.

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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 $287,347

Program Service Revenue $108,741

Investment Income $3,474

Other Revenue $0

TOTAL REVENUE $399,562

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $287,419

Other Expenses $287,419

TOTAL EXPENSES $287,419

Year-over-Year Comparison

	2025	2024	Change
Revenue	$399,562	$197,895	+1.0%
Expenses	$287,419	$199,771	+0.4%
Net Income	$112,143	$-1,876	-60.8%

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

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
WILLIAM ROBERTSON	COMMODORE	15.00	Officer	$0	$0	$0
ANDREW POSTELL	VICE COMMODORE	10.00	Officer	$0	$0	$0
SCOTT CLINE	REAR COMMODORE	10.00	Officer	$0	$0	$0
LINDA LIND	TREASURER	15.00	Officer	$0	$0	$0
ADAM ANKARS	SECRETARY	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	$399,562	$287,419	$941,826	$112,143
2024	$197,895	$199,771	$829,202	$-1,876
2023	$210,531	$166,654	$854,837	$43,877
2022	$196,282	$195,505	$828,711	$777
2021	$185,526	$207,228	$909,717	$-21,702
2020	$152,208	$121,736	$818,807	$30,472
2019	$168,589	$151,164	$796,627	$17,425