Lake Arrowhead Yacht Club (EIN 950919366) - 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

1932

Principal Officer

Andrew Kosky

Phone

9093370725

Tax Period

2025-01-01 to 2025-12-31

Lake Arrowhead Yacht Club, founded in 1932, is a small nonprofit that reported $874K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $792K left a modest 9% surplus.

Mission

The mission of the Lake Arrowhead Yacht Club is to instill and enhance an interest in yachting and the spirit of sportsmanship amongst its members and their families, and to that end, to provide programs to promote and support yacht racing in the Corinthian spirit

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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 $567,938

Program Service Revenue $433,692

Investment Income $26

Other Revenue $-127,538

TOTAL REVENUE $874,118

Expense Breakdown

Grants Paid $0

Salaries & Benefits $387,833

Fundraising Expenses $0

Other Expenses $404,172

TOTAL EXPENSES $792,005

Year-over-Year Comparison

	2025	2024	Change
Revenue	$874,118	$766,840	+0.1%
Expenses	$792,005	$732,098	+0.1%
Net Income	$82,113	$34,742	+1.4%

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	Role	Reportable Comp	Other Comp	Total
Hillary Degraffenreid	Director	Director	$0	$0	$0
Andrew Kosky	Commodore	Officer	$0	$0	$0
Devon Reid	Vice Commodore	Officer	$0	$0	$0
David Pickard	Rear Commodore	Officer	$0	$0	$0
Kimberly Lambert	Fleet Captain	Officer	$0	$0	$0
Jon Wollam	Port Captain	Officer	$0	$0	$0
Mary Scott	Secretary	Officer	$0	$0	$0
Chace Lambert	Treasurer	Officer	$0	$0	$0
Mark Lester	Judge Advocate	Officer	$0	$0	$0
Suzi Talarico	Fleet Surgeon	Officer	$0	$0	$0
Lisa Daily	Jr Staff Comm.	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	$874,118	$792,005	$960,810	$82,113
2024	No data	No data	No data	No data
2023	$746,608	$699,988	$991,708	$46,620
2022	$603,693	$654,051	$924,740	$-50,358
2021	$620,810	$475,023	$951,158	$145,787
2020	$461,594	$480,152	$562,127	$-18,558
2019	$542,162	$561,108	$572,973	$-18,946
2018	$518,517	$539,093	$600,335	$-20,576

Lake Arrowhead Yacht Club