STILLWATER 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

1958

Legal Domicile

Principal Officer

JOAN HOOVER

Tax Period

2023-01-01 to 2023-12-31

STILLWATER YACHT CLUB, founded in 1958, is a small nonprofit that reported $282K in total revenue in fiscal year 2023.

Mission

SOCIAL AND RECREATIONAL ACTIVITIES RELATING TO YACHTING AND WATER SPORTS, INCLUDING YOUTH SAILING EDUCATION.

Program Service Accomplishments

Program 1

Expenses: $208,874 Revenue: $126,326

CONDUCT SOCIAL ACTIVITIES FOR MEMBERS

Program 2

Expenses: $40,814 Revenue: $5,400

PROMOTE SAILING EDUCATION AND SPORTSMANSHIP AMONG YOUTH 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 (2023)

Revenue Breakdown

Contributions & Grants $128,281

Program Service Revenue $131,726

Investment Income $203

Other Revenue $21,569

TOTAL REVENUE $281,779

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,799

Fundraising Expenses $0

Program Expenses $249,688

Other Expenses $287,123

TOTAL EXPENSES $289,922

Year-over-Year Comparison

	2023	2022	Change
Revenue	$281,779	$296,475	0.0%
Expenses	$289,922	$270,673	+0.1%
Net Income	$-8,143	$25,802	-1.3%

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

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
BILL CASH	DIRECTOR	5.00	Director	$0	$0	$0
SHERIF MICHAEL	DIRECTOR	5.00	Director	$0	$0	$0
ROBERT SUPERKO MD	DIRECTOR	5.00	Director	$0	$0	$0
JOHN LOTZ	DIRECTOR	5.00	Director	$0	$0	$0
STEPHANIE KIRK	DIRECTOR	5.00	Director	$0	$0	$0
GERARD ROSE	DIRECTOR	5.00	Director	$0	$0	$0
DAN MILLER	DIRECTOR	5.00	Director	$0	$0	$0
PETER HANLON	DIRECTOR	5.00	Director	$0	$0	$0
ALIX L BOSCH	DIRECTOR	5.00	Director	$0	$0	$0
MAC KAHLE	DIRECTOR	5.00	Director	$0	$0	$0
BRUCE FAIRBANKS	DIRECTOR	5.00	Director	$0	$0	$0
BRUCE GRAHAM	DIRECTOR	5.00	Director	$0	$0	$0
JOAN HOOVER	TREASURER	10.00	Officer Director	$0	$0	$0
PARKER WOOD	COMMODORE	5.00	Officer Director	$0	$0	$0
CHARLES KURTMEN	PORT CAPTAIN	5.00	Officer Director	$0	$0	$0
TOM DUFFY	FLEET CAPTAIN	5.00	Officer Director	$0	$0	$0
JOAN WOOD	SECRETARY	5.00	Officer Director	$0	$0	$0
MARTIN KLINGEL	REAR COMMODORE	5.00	Officer Director	$0	$0	$0
STACY MCKELVY	VICE COMMODORE	5.00	Officer Director	$0	$0	$0
LEBON ABERCROMBIE	WEBMASTER	10.00	Officer Director	$0	$0	$0
DICK CLARK	STAFF COMMODORE	5.00	Officer 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	No data	No data	No data	No data
2023	$281,779	$289,922	$183,261	$-8,143
2022	$296,475	$270,673	$191,484	$25,802
2021	$243,987	$236,043	$165,602	$7,944