SAN RAFAEL YACHT CLUB (EIN 941669304) - 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

1942

Legal Domicile

Principal Officer

PAUL KERRIGAN

Phone

4154599828

Tax Period

2023-11-01 to 2024-10-31

SAN RAFAEL YACHT CLUB, founded in 1942, is a small nonprofit in the Recreation & Sports sector that reported $113K in total revenue in fiscal year 2023. Revenue decreased 19% compared to the prior year.

Mission

THE SUPPORT OF YACHTING AND RELATED 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 (2023)

Revenue Breakdown

Contributions & Grants $47,380

Program Service Revenue $31,620

Investment Income $537

Other Revenue $33,007

TOTAL REVENUE $112,544

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $30,939

Other Expenses $123,030

TOTAL EXPENSES $123,030

Year-over-Year Comparison

	2023	2022	Change
Revenue	$112,544	$139,083	-0.2%
Expenses	$123,030	$133,362	-0.1%
Net Income	$-10,486	$5,721	-2.8%

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
PAUL KERRIGAN	COMMODORE	20.00	Officer Director	$0	$0	$0
GREG YU	VICE COMMODORE	20.00	Officer Director	$0	$0	$0
MIA BRENT	REAR COMMOFORE	20.00	Officer Director	$0	$0	$0
JERRY MCNULTY	STAFF COMMODORE	20.00	Officer Director	$0	$0	$0
KARLYN GOOD	SECRETARY	20.00	Officer Director	$0	$0	$0
SHARON NELSON	TREASURER	20.00	Officer Director	$0	$0	$0
KRIS RINGROSE	DIRECTOR	5.00	Director	$0	$0	$0
WILLIAM LITTLE	DIRECTOR	5.00	Director	$0	$0	$0
ROSIE WENDELL	DIRECTOR	5.00	Director	$0	$0	$0
JOE KELLY	DIRECTOR	5.00	Director	$0	$0	$0
REYNOLD MARTINEZ	DIRECTOR	5.00	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	$112,544	$123,030	$162,818	$-10,486
2023	$139,083	$133,362	$173,104	$5,721
2018	$92,102	$68,660	$95,141	$23,442

SAN RAFAEL YACHT CLUB