BAY AREA ASSOCIATION OF DISABLED SAILORS (EIN 943067409) - 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

2021

Legal Domicile

Principal Officer

Cristina Rubke

Phone

4152820202

Tax Period

2025-01-01 to 2025-12-31

BAY AREA ASSOCIATION OF DISABLED SAILORS, founded in 2021, is a micro nonprofit in the Unknown sector that reported $37K in total revenue in fiscal year 2025. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $67K exceeded revenue, resulting in a 81% operating deficit.

Mission

Providing sailing opportunities to disabled individuals

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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 $52,492

Program Service Revenue $0

Investment Income $-15,534

Other Revenue $0

TOTAL REVENUE $36,958

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $34,007

Other Expenses $67,069

TOTAL EXPENSES $67,069

Year-over-Year Comparison

	2025	2024	Change
Revenue	$36,958	$80,763	-0.5%
Expenses	$67,069	$72,304	-0.1%
Net Income	$-30,111	$8,459	-4.6%

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

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
Cristina Rubke	Commodore	15.00	Officer Director	$0	$0	$0
Ed Blumenstock	Vice Commodore	5.00	Officer Director	$0	$0	$0
Tom Eby	Treasurer	5.00	Officer Director	$0	$0	$0
Charles Wienbar	Secretary	2.00	Officer Director	$0	$0	$0
Christopher Naughton	Director	15.00	Director	$0	$0	$0
Kathi Pugh	Director	4.00	Director	$0	$0	$0
David Feig	Director	8.00	Director	$0	$0	$0
Josh Maddox	Director	4.00	Director	$0	$0	$0
Scott Foster	Director	8.00	Director	$0	$0	$0
Shannon Kastner	Director	2.00	Director	$0	$0	$0
Gary Cellini	Director	2.00	Director	$0	$0	$0
Scott DeMelo	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
2025	$36,958	$67,069	$756,149	$-30,111
2024	$80,763	$72,304	$786,260	$8,459
2023	$57,671	$70,647	$777,801	$-12,976
2022	$80,765	$62,182	$790,777	$18,583
2021	$150,717	$42,248	$780,902	$108,469

BAY AREA ASSOCIATION OF DISABLED SAILORS