Coyote Point Yacht Club (EIN 941667536) - 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

1943

Legal Domicile

Phone

6503473730

Tax Period

2025-01-01 to 2025-12-31

Coyote Point Yacht Club, founded in 1943, is a small nonprofit in the Recreation & Sports sector that reported $703K in total revenue in fiscal year 2025. Revenue surged 65% from the prior year, signaling strong growth momentum. Expenses of $655K left a modest 7% surplus.

Mission

The purpose of the Club shall be to encourage yachting as a sport and recreation; to promote interest in seamanship and navigation; to encourage fellowship; to provide and maintain a clubhouse; to harbor and landing for the use of the Membership when possible; and to promote an active youth sailing program.

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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 $702,689

Investment Income $0

Other Revenue $0

TOTAL REVENUE $702,689

Expense Breakdown

Grants Paid $0

Salaries & Benefits $259,242

Fundraising Expenses $0

Other Expenses $396,250

TOTAL EXPENSES $655,492

Year-over-Year Comparison

	2025	2024	Change
Revenue	$702,689	$426,881	+0.6%
Expenses	$655,492	$409,730	+0.6%
Net Income	$47,197	$17,151	+1.8%

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

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
John Bradley	Secretary	5.00	Officer	$0	$0	$0
Steve Swanson	Staff Commodore	15.00	Officer	$0	$0	$0
Gary Edwards	Commodore	15.00	Officer	$0	$0	$0
Sandy Lazzari	Vice Commodore	5.00	Officer	$0	$0	$0
Ron Engstrom	Rear Commodore	5.00	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	$702,689	$655,492	$308,759	$47,197
2024	$426,881	$409,730	$258,994	$17,151
2023	$279,426	$305,078	$231,168	$-25,652
2022	$402,866	$420,814	$256,820	$-17,948
2021	$333,009	$276,652	$274,768	$56,357
2020	$266,880	$271,052	$219,411	$-4,172
2019	$388,965	$399,538	$320,349	$-10,573
2018	$361,027	$338,051	$255,948	$22,976

Coyote Point Yacht Club