ST CHARLES YACHT CLUB INC (EIN 650104991) - 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

1989

Legal Domicile

Principal Officer

GREGORY ROCQUE

Phone

2394662007

Tax Period

2025-01-01 to 2025-12-31

ST CHARLES YACHT CLUB INC, founded in 1989, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2025. Expenses of $2.7M left a modest 7% surplus.

Mission

ST CHARLES YACHT CLUB, INC. SERVES THE NEEDS OF MEMBERS, OFFERING FINE DINING, SWIMMING FACILITIES, TENNIS COURTS, AND A HARBOR FACILITY FOR THEIR BOATING NEEDS.

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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 $0

Program Service Revenue $1,129,107

Investment Income $62,629

Other Revenue $1,778,476

TOTAL REVENUE $2,970,212

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,063,675

Fundraising Expenses $0

Program Expenses $2,517,303

Other Expenses $1,684,788

TOTAL EXPENSES $2,748,463

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,970,212	$2,961,645	+0.0%
Expenses	$2,748,463	$2,613,109	+0.1%
Net Income	$221,749	$348,536	-0.4%

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
GARY RALPH	DIRECTOR	N/A	Director	$0	$0	$0
GREGORY ROCQUE	COMMODORE	N/A	Officer Director	$0	$0	$0
JANE LINSCOTT	DIRECTOR	N/A	Director	$0	$0	$0
MICHAEL FRAZER	DIRECTOR	N/A	Director	$0	$0	$0
CATHY KRUSINSKI	SECRETARY	N/A	Officer Director	$0	$0	$0
JERRY NORRIS	DIRECTOR	N/A	Director	$0	$0	$0
DAVID MURRAY	REAR COMMODO	N/A	Officer Director	$0	$0	$0
KIMBERLY HOSTETELER	VICE COMMODO	N/A	Officer Director	$0	$0	$0
KAREN WEDDELL	DIRECTOR	N/A	Director	$0	$0	$0
TERRY BATDORF	TREASURER	N/A	Officer Director	$0	$0	$0
PETER PARTILO	DIRECTOR	N/A	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
2025	$2,970,212	$2,748,463	$7,419,221	$221,749
2024	$2,961,645	$2,613,109	$7,190,488	$348,536
2023	$3,014,489	$2,572,850	$6,803,562	$441,639
2022	$2,767,319	$2,603,499	$6,243,796	$163,820
2021	$2,300,202	$2,160,045	$5,988,885	$140,157
2020	$1,870,661	$1,853,949	$5,641,389	$16,712

ST CHARLES YACHT CLUB INC