RICHLAND YACHT CLUB (EIN 916013283) - 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

1952

Legal Domicile

Phone

5099466900

Tax Period

2025-01-01 to 2025-12-31

RICHLAND YACHT CLUB, founded in 1952, is a small nonprofit that reported $307K in total revenue in fiscal year 2025. The organization ran a surplus of $80K, a strong 26% operating margin.

Mission

TO PROVIDE BOATING FACILITIES AND TO PROMOTE BOATING ACTIVITIES

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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 $284,943

Investment Income $22,513

Other Revenue $0

TOTAL REVENUE $307,456

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $473

Other Expenses $227,812

TOTAL EXPENSES $227,812

Year-over-Year Comparison

	2025	2024	Change
Revenue	$307,456	$292,927	+0.0%
Expenses	$227,812	$261,033	-0.1%
Net Income	$79,644	$31,894	+1.5%

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

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
BRYAN BOBBETT	PAST COMMODORE	10.00	Officer	$0	$0	$0
ALLIE McGINNIS	COMMODORE	10.00	Officer	$0	$0	$0
NIK QAFOKU	VICE COMMODORE	10.00	Officer	$0	$0	$0
KATHY HIGGINS	Treasurer	10.00	Officer	$0	$0	$0
ANDY COCKRELL	BLDG COORDINATO	10.00	Officer	$0	$0	$0
RICK EDER	REAR COMMODORE	10.00	Officer	$0	$0	$0
RICK ANDERSON	CORRESPOND SEC	10.00	Officer	$0	$0	$0
ED CARRAWAY	DOCK CAPTAIN	10.00	Officer	$0	$0	$0
BOB GRAY	RECORDING SEC	10.00	Officer	$0	$0	$0
DOREEN BUGLI	RENTAL COORDINA	10.00	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	$307,456	$227,812	$1,087,232	$79,644
2024	$292,927	$261,033	$1,045,462	$31,894
2023	$284,001	$233,113	$1,049,820	$50,888
2022	$278,074	$240,883	$1,033,682	$37,191
2021	$285,668	$254,622	$1,029,777	$31,046
2020	$258,936	$261,149	$1,030,616	$-2,213
2019	$266,206	$232,638	$1,063,680	$33,568
2018	$272,889	$240,315	$1,059,020	$32,574

RICHLAND YACHT CLUB