POINT SAN PABLO YACHT CLUB INC (EIN 942533701) - 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

1945

Legal Domicile

Phone

5102331046

Tax Period

2025-01-01 to 2025-12-31

POINT SAN PABLO YACHT CLUB INC, founded in 1945, is a small nonprofit that reported $194K in total revenue in fiscal year 2025. The organization ran a surplus of $101K, a strong 52% operating margin.

Mission

YACHT CLUB FOR MEMBERS

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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 $54,896

Program Service Revenue $0

Investment Income $13,056

Other Revenue $125,965

TOTAL REVENUE $193,917

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,259

Fundraising Expenses $0

Other Expenses $83,781

TOTAL EXPENSES $93,040

Year-over-Year Comparison

	2025	2024	Change
Revenue	$193,917	$194,367	0.0%
Expenses	$93,040	$158,374	-0.4%
Net Income	$100,877	$35,993	+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

N/A

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
KARNELL HILLSCAN	Director	4.00	Director	$0	$0	$0
ANDY FLICK	Director	4.00	Director	$0	$0	$0
CHRIS JANNINI	Director	4.00	Director	$0	$0	$0
CHUCK LIND	Director	4.00	Director	$0	$0	$0
KEVIN HYDES	PORT CAPTAIN	4.00	Officer	$0	$0	$0
SARAH RECTENWALD	Secretary	4.00	Officer	$0	$0	$0
RICHARD ROBINS	Treasurer	4.00	Officer	$0	$0	$0
LENA JOHNSON	REAR COMMODORE	4.00	Officer	$0	$0	$0
ANDY SANTAMARIA	FLEET CAPTAIN	4.00	Officer	$0	$0	$0
JOHNNY MCGINLEY	FLEET CAPTAIN	4.00	Officer	$0	$0	$0
RICHARD ALEXANDER	COMMODORE	4.00	Officer	$0	$0	$0
ROBERT RECTENWALD	VICE COMMODORE	4.00	Officer	$0	$0	$0
PETER PLANK	REAR COMMODORE	4.00	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	$193,917	$93,040	$1,821,342	$100,877
2024	$194,367	$158,374	$1,735,513	$35,993
2023	$236,410	$156,941	$1,598,266	$79,469
2022	$239,399	$152,585	$1,487,660	$86,814
2021	$249,981	$146,154	$1,400,296	$103,827
2020	$210,965	$136,820	$1,301,003	$74,145
2019	$224,780	$143,201	$1,220,535	$81,579
2018	$215,690	$136,182	$1,138,964	$79,508

POINT SAN PABLO YACHT CLUB INC