NOBLE COUNTY YMCA

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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

1979

Legal Domicile

Principal Officer

MANDY LOWRY

Phone

5803364411

Tax Period

2025-01-01 to 2025-12-31

NOBLE COUNTY YMCA, founded in 1979, is a community nonprofit in the Human Services sector that reported $2.5M in total revenue in fiscal year 2025. Revenue surged 144% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.4M, a strong 54% operating margin.

Mission

THE MISSION OF THE NOBLE COUNTY YMCA IS TO PUT CHRISTIAN PRINCIPLES INTO PRACTICE THOUGH PROGRAMS THAT BUILD HEALTHY SPIRIT, MIND, AND BODY FOR ALL.

Program Service Accomplishments

Program 1

Expenses: $468,892 Revenue: $273,830

MEMBERSHIP AND HEALTH ENHANCEMENT

Program 2

Expenses: $326,228 Revenue: $42,063

CHILD AND DAYCAMP

Program 3

Expenses: $107,893 Revenue: $29,920

AQUATICS

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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 $2,100,567

Program Service Revenue $348,922

Investment Income $17,814

Other Revenue $55,882

TOTAL REVENUE $2,523,185

Expense Breakdown

Grants Paid $0

Salaries & Benefits $457,861

Fundraising Expenses $0

Program Expenses $915,458

Other Expenses $703,996

TOTAL EXPENSES $1,161,857

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,523,185	$1,033,126	+1.4%
Expenses	$1,161,857	$997,965	+0.2%
Net Income	$1,361,328	$35,161	+37.7%

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

$80,621

Total Directors

$7,761

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTI WOODS	TREASURER / CEO	0.50	Officer Director	$7,761	$0	$7,761
JENNIFER KENZIE	BOARD MEMBER	0.50	Director	$0	$0	$0
JESSICA DVORAK	BOARD MEMBER	0.50	Director	$0	$0	$0
RICK ARTERBERRY	BOARD MEMBER	0.50	Director	$0	$0	$0
CONNIE SMITH	BOARD MEMBER	0.50	Director	$0	$0	$0
SHANE LEACH	BOARD MEMBER	0.50	Director	$0	$0	$0
SAMANTHA MORAN	BOARD MEMBER	0.50	Director	$0	$0	$0
TRACY SCHERMAN	BOARD MEMBER	0.50	Director	$0	$0	$0
JAMIE WINES	VICE-CHAIR	0.50	Director	$0	$0	$0
PETER OLSON	CHIEF VOLUNTEER / OFFICER	0.50	Officer	$0	$0	$0
BRANDI WHITE	SECRETARY	0.50	Officer	$0	$0	$0
MANDY LOWRY	CEO	40.00	Officer	$51,848	$0	$51,848
KAYLA WEDEL-LOBSINGER	CEO	0.50	Officer	$21,012	$0	$21,012

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	$2,523,185	$1,161,857	$3,863,823	$1,361,328
2024	$1,033,126	$997,965	$2,219,436	$35,161
2023	$951,105	$1,093,415	$2,073,289	$-142,310
2022	$805,799	$957,682	$2,086,738	$-151,883
2021	$826,778	$923,351	$2,374,890	$-96,573
2020	$613,234	$670,808	$2,337,206	$-57,574
2019	$735,150	$522,907	$2,304,568	$212,243
2018	$427,493	$527,636	$1,938,031	$-100,143