BILOXI YACHT CLUB (EIN 640121510) - 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

1849

Legal Domicile

Principal Officer

STEPHEN ROYBAL

Phone

2283746344

Tax Period

2023-01-01 to 2023-12-31

BILOXI YACHT CLUB, founded in 1849, is a small nonprofit that reported $869K in total revenue in fiscal year 2023. Revenue surged 111% from the prior year, signaling strong growth momentum. The organization ran a surplus of $484K, a strong 56% operating margin.

Mission

TO PROMOTE YACHTING IN THE GULF COAST AREA

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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 $299,832

Program Service Revenue $27,975

Investment Income $572,602

Other Revenue $-31,250

TOTAL REVENUE $869,159

Expense Breakdown

Grants Paid $0

Salaries & Benefits $81,303

Fundraising Expenses $0

Other Expenses $303,737

TOTAL EXPENSES $385,040

Year-over-Year Comparison

	2023	2022	Change
Revenue	$869,159	$411,223	+1.1%
Expenses	$385,040	$582,395	-0.3%
Net Income	$484,119	$-171,172	-3.8%

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

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
CHARLES DELLENGER	DIRECTOR	2.00	Director	$0	$0	$0
JIM GRAHAM	DIRECTOR	2.00	Director	$0	$0	$0
LEO MANUEL	DIRECTOR	2.00	Director	$0	$0	$0
CARL NEHLIG	DIRECTOR	2.00	Director	$0	$0	$0
GAVIN SCHMIDT	DIRECTOR	2.00	Director	$0	$0	$0
RICHARD SCHMIDT	DIRECTOR	2.00	Director	$0	$0	$0
TIM MANUAL	COMMODORE	5.00	Officer	$0	$0	$0
MIKE OWEN	REAR COMMODORE	5.00	Officer	$0	$0	$0
STEPHEN ROYBAL	TREASURER	5.00	Officer	$0	$0	$0
KAY BEAUGEZ	PAST COMMODORE	5.00	Officer	$0	$0	$0
JANA OWEN	SECRETARY	5.00	Officer	$0	$0	$0
STEPHEN BELL	FLEET SURGEON	5.00	Officer	$0	$0	$0
MATT WARD	FLEET CAPTAIN	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
2024	No data	No data	No data	No data
2023	$869,159	$385,040	$1,707,844	$484,119
2022	$411,223	$582,395	$2,646,690	$-171,172
2021	$467,590	$626,460	$2,697,377	$-158,870
2020	$439,686	$520,959	$2,844,734	$-81,273
2019	$474,756	$688,470	$3,165,311	$-213,714
2018	$446,626	$556,648	$3,280,591	$-110,022

BILOXI YACHT CLUB