BAY-WAVELAND YACHT CLUB INC (EIN 640297127) - 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

1965

Legal Domicile

Principal Officer

ZACHARY FANBERG

Phone

2284674592

Tax Period

2023-10-01 to 2024-09-30

BAY-WAVELAND YACHT CLUB INC, founded in 1965, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023. Expenses of $1.4M left a modest 8% surplus.

Mission

SOCIAL AND RECREATIONAL CLUB

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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 $917,734

Program Service Revenue $242,335

Investment Income $16,567

Other Revenue $377,941

TOTAL REVENUE $1,554,577

Expense Breakdown

Grants Paid $0

Salaries & Benefits $707,096

Fundraising Expenses $0

Other Expenses $724,587

TOTAL EXPENSES $1,431,683

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,554,577	$1,571,451	0.0%
Expenses	$1,431,683	$1,550,149	-0.1%
Net Income	$122,894	$21,302	+4.8%

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

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

$17,118

Total Directors

$17,118

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARC EAGAN	COMMODORE	1.00	Officer Director	$0	$0	$0
MARGARET TAYLOR	VICE COMMODORE	1.00	Officer Director	$17,118	$0	$17,118
KATHI TROENDLE	SECRETARY	1.00	Officer Director	$0	$0	$0
ZAK FANBERG	TREASURER	1.00	Officer Director	$0	$0	$0
BILLY FREIBERG	BOARD MEMBER	1.00	Director	$0	$0	$0
WEEZIE KENNEDY	BOARD MEMBER	1.00	Director	$0	$0	$0
STEVE SEVENER	BOARD MEMBER	1.00	Director	$0	$0	$0
ANITA WARNER	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN BERGERON	REAR COMMODORE	1.00	Officer Director	$0	$0	$0
LEANNE MURRAY	BOARD MEMBER	1.00	Director	$0	$0	$0
JUDY REEVES	BOARD MEMBER	1.00	Director	$0	$0	$0
BEN BENVENUTTI	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS SCHAUMBURG	BOARD MEMBER	1.00	Director	$0	$0	$0
ANNE SWAN EDWARDS	BOARD MEMBER	1.00	Director	$0	$0	$0
ROD STIEFFEL	BOARD MEMBER	1.00	Director	$0	$0	$0
KIM LUCAS URAM	BOARD MEMBER	1.00	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	$1,554,577	$1,431,683	$2,712,148	$122,894
2023	$1,571,451	$1,550,149	$2,681,493	$21,302
2022	$1,351,907	$1,221,731	$2,722,850	$130,176
2021	$1,351,451	$1,282,871	$2,567,573	$68,580
2020	$1,038,965	$1,063,124	$2,835,920	$-24,159

BAY-WAVELAND YACHT CLUB INC