BALBOA 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

1924

Legal Domicile

Principal Officer

M GUZMAN

Phone

9496733515

Tax Period

2024-12-01 to 2025-11-30

BALBOA YACHT CLUB, founded in 1924, is a community nonprofit that reported $9.4M in total revenue in fiscal year 2024. Expenses of $9.0M left a modest 4% surplus.

Mission

TO PROVIDE A SITUS FOR THE MEMBERS TO ENJOY SPORTING AND DINING ACTIVITIES.

Program Service Accomplishments

Program 1

ALL SERVICES ARE DIRECTED TOWARD THE MEMBERS' ENJOYMENT OF THEIR 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,757,120

Investment Income $159,864

Other Revenue $3,437,662

TOTAL REVENUE $9,354,646

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,370,632

Fundraising Expenses $0

Other Expenses $4,620,565

TOTAL EXPENSES $8,991,197

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,354,646	$8,697,339	+0.1%
Expenses	$8,991,197	$8,579,906	+0.0%
Net Income	$363,449	$117,433	+2.1%

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

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
G NEWMAN	DIR	2.00	Director	$0	$0	$0
P KREISER	DIR	2.00	Director	$0	$0	$0
N MYER	DIR	2.00	Director	$0	$0	$0
C GRIBBEN	DIR	2.00	Director	$0	$0	$0
S BRANDT	DIR	2.00	Director	$0	$0	$0
B WHEELER	DIR	2.00	Director	$0	$0	$0
B HEMPHILL	COMMODORE	2.00	Officer	$0	$0	$0
K DUARTE	V. COMMODORE	2.00	Officer	$0	$0	$0
C LeFEBVRE	R. COMMODORE	2.00	Officer	$0	$0	$0
M KLIEM	SECRETARY	2.00	Officer	$0	$0	$0
M NICHOLS	FLEET CAPTAIN	2.00	Officer	$0	$0	$0
S KENNY	TREASURER	2.00	Officer	$0	$0	$0
M PAYNE	JUDGE ADVOCATE	2.00	Officer	$0	$0	$0
R BRAY MD	FLEET SURGEON	2.00	Officer	$0	$0	$0
S RIMLAND	PORT CAPTAIN	2.00	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	$9,354,646	$8,991,197	$17,602,886	$363,449
2024	$8,697,339	$8,579,906	$16,914,263	$117,433
2023	$7,437,948	$7,113,532	$16,601,093	$324,416
2022	$6,701,410	$6,995,888	$15,877,396	$-294,478
2021	$6,404,152	$5,838,481	$15,826,880	$565,671
2020	$7,120,630	$7,235,605	$14,818,020	$-114,975
2019	$7,053,564	$7,041,846	$15,751,189	$11,718
2018	$6,745,104	$6,841,786	$8,818,067	$-96,682