STOCKTON YACHT CLUB (EIN 940902970) - 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

1939

Legal Domicile

Principal Officer

BOB CAIN

Phone

2099469259

Tax Period

2024-01-01 to 2024-12-31

STOCKTON YACHT CLUB, founded in 1939, is a small nonprofit that reported $267K in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year.

Mission

STOCKTON YACHT CLUB IS A MEMBERSHIP OF PERSONS TO PROMOTE BOATING AND SOCIAL ACTIVITIES. TO ACCOMPLISH THIS PURPOSE MEMBERS CONTRIBUTE DUES AND PAY ASSESSMENTS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $14,315

Program Service Revenue $253,114

Investment Income $30

Other Revenue $1

TOTAL REVENUE $267,460

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $289,692

TOTAL EXPENSES $289,692

Year-over-Year Comparison

	2024	2023	Change
Revenue	$267,460	$318,372	-0.2%
Expenses	$289,692	$294,468	0.0%
Net Income	$-22,232	$23,904	-1.9%

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
JIM KOPSHEVER	BOARD CHAIRMAN	1.00	Officer Director	$0	$0	$0
DEAN CARLSON	VICE BOARD CHAIRMAN	1.00	Officer Director	$0	$0	$0
PENNY CALVIRD	TREASURER	1.00	Officer Director	$0	$0	$0
DEDE SALZMAN	SECRETARY	1.00	Officer Director	$0	$0	$0
BILL THOMPSON	COMMODORE	1.00	Officer Director	$0	$0	$0
SUZAN CUNNINGHAM	VICE COMMODORE	1.00	Officer Director	$0	$0	$0
BARBARA BAGLEY	DIRECTOR	1.00	Director	$0	$0	$0
ROGER BEEBE	DIRECTOR	1.00	Director	$0	$0	$0
MIKE CUMMINGS	DIRECTOR	1.00	Director	$0	$0	$0
RAY FOREST	DIRECTOR	1.00	Director	$0	$0	$0
PHILLIP KELLOGG	DIRECTOR	1.00	Director	$0	$0	$0
CLIFF KENST	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN SALZMAN	DIRECTOR	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	$267,460	$289,692	$359,433	$-22,232
2023	$318,372	$294,468	$412,424	$23,904
2022	$254,881	$242,173	$452,939	$12,708
2021	$296,011	$260,754	$509,709	$35,257
2020	$216,669	$239,349	$879,860	$-22,680
2019	$222,561	$262,990	$955,989	$-40,429
2018	$347,662	$320,133	$1,007,701	$27,529

STOCKTON YACHT CLUB