SANTA CRUZ YACHT CLUB

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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

1928

Legal Domicile

Principal Officer

HOMER LIGHTHALL

Phone

8314250690

Tax Period

2023-01-01 to 2023-12-31

SANTA CRUZ YACHT CLUB, founded in 1928, is a small nonprofit that reported $925K in total revenue in fiscal year 2023.

Mission

ENCOURAGE YACHTING AND THE SCIENCE AND THE ART OF DESIGNING, BUILDING, NAVIGATING AND HANDLING OF YACHTS AND SMALL BOATS

Program Service Accomplishments

Program 1

DRY DOCK AND WET SLIP STORAGE FOR BOATS BELONGING TO MEMBERS AND GUESTS. INCLUDES HOIST FOR BOAT LAUNCHING, MAINTENANCE, AND REPAIR OF FACILITIES

Program 2

INSTRUCTION IN SAILING, RACING, AND CRUISING, FOR JUNIOR MEMBERS AND GUESTS. USES BOATS AND FACILITIES OWNED BY THE CLUB. INCLUDES SEVERAL RACES HOSTED BY THE CLUB.

Program 3

SOCIAL AND RECREATIONAL FUNCTIONS HOSTED BY THE CLUB, INCLUDING ANNUAL BANQUET, LIGHTED BOAT PARADE, LUNCHEONS, CHILDREN'S PROGRAMS. MEMBERS USE OF FACILITIES, EQUIPMENT AND SUPPLIES OWNED BY THE...

SOCIAL AND RECREATIONAL FUNCTIONS HOSTED BY THE CLUB, INCLUDING ANNUAL BANQUET, LIGHTED BOAT PARADE, LUNCHEONS, CHILDREN'S PROGRAMS. MEMBERS USE OF FACILITIES, EQUIPMENT AND SUPPLIES OWNED BY THE CLUB.

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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 $431,255

Program Service Revenue $412,638

Investment Income $-1,458

Other Revenue $82,684

TOTAL REVENUE $925,119

Expense Breakdown

Grants Paid $0

Salaries & Benefits $204,573

Fundraising Expenses $0

Other Expenses $720,441

TOTAL EXPENSES $925,014

Year-over-Year Comparison

	2023	2022	Change
Revenue	$925,119	$861,023	+0.1%
Expenses	$925,014	$875,774	+0.1%
Net Income	$105	$-14,751	-1.0%

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

448

Independent Members

448

Employees

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
TIM GILMORE	VICE COMMODO	N/A	Officer Director	$0	$0	$0
CARRIE DARLING	REAR COMMODO	N/A	Officer Director	$0	$0	$0
PAUL YOST	DIRECTOR	N/A	Director	$0	$0	$0
ED MABIE	PORT CAPTAIN	N/A	Officer Director	$0	$0	$0
VANCE LANDIS-CAREY	DIRECTOR	N/A	Director	$0	$0	$0
KRIS NORTH	REGATTA CHAI	N/A	Director	$0	$0	$0
PJ PANZICA	SECRETARY	N/A	Officer Director	$0	$0	$0
SKIP ELY	TREASURER	N/A	Officer Director	$0	$0	$0
HOMER LIGHTHALL	COMMODORE	N/A	Officer Director	$0	$0	$0
SCOTT SMITH	DIRECTOR	N/A	Director	$0	$0	$0
JACK DIGBY	DIRECTOR	N/A	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$925,119	$925,014	$1,198,186	$105
2022	$861,023	$875,774	$1,234,320	$-14,751
2021	$794,340	$765,142	$1,216,953	$29,198
2020	$709,695	$649,078	$1,500,813	$60,617
2019	$716,974	$686,594	$1,183,380	$30,380
2018	$693,362	$697,615	$1,278,771	$-4,253