YOUNG WOMENS CHRISTIAN ASSOCIATION OF THE HARBOR AREA (EIN 951691337) - 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

1921

Legal Domicile

Principal Officer

JULIE WICHMANN HUERTA

Phone

3105470831

Tax Period

2024-07-01 to 2025-06-30

YOUNG WOMENS CHRISTIAN ASSOCIATION OF THE HARBOR AREA, founded in 1921, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2024. Revenue surged 25% from the prior year, signaling strong growth momentum.

Mission

THE MISSION OF THE YWCA IS TO FOSTER THE ECONOMIC SELF-SUFFICIENCY, EMOTIONAL AND PHYSICAL HEALTH OF WOMEN AND GIRLS IN A WORLD OF PEACE, RACIAL JUSTICE, DIGNITY, FREEDOM AND EQUALITY FOR ALL.

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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 $701,018

Program Service Revenue $531,559

Investment Income $10,402

Other Revenue $287,530

TOTAL REVENUE $1,530,509

Expense Breakdown

Grants Paid $0

Salaries & Benefits $664,590

Fundraising Expenses $21,881

Program Expenses $1,301,593

Other Expenses $824,531

TOTAL EXPENSES $1,489,121

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,530,509	$1,225,029	+0.2%
Expenses	$1,489,121	$1,265,797	+0.2%
Net Income	$41,388	$-40,768	-2.0%

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

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
JULIE WICHMANN HUERTA	PRESIDENT	20	Officer Director	$0	$0	$0
CATHERINE LAWRENCE	SECRETARY	10	Officer Director	$0	$0	$0
PHYLIS WEATHERSPOON	BOARD MEMBER	5	Director	$0	$0	$0
JUANITA NARANJO	BOARD MEMBER	5	Director	$0	$0	$0
SANDY WARNER	BOARD MEMBER	5	Director	$0	$0	$0
KAINE NICHOLAS	BOARD MEMBER	5	Director	$0	$0	$0
MARISA KATNICH	BOARD MEMBER	5	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	$1,530,509	$1,489,121	$383,282	$41,388
2024	No data	No data	No data	No data
2024	$1,225,029	$1,265,797	$217,280	$-40,768
2023	$1,457,085	$1,356,180	$448,428	$100,905
2022	$1,121,486	$1,605,074	$109,455	$-483,588
2021	$909,075	$1,086,601	$503,082	$-177,526
2020	$923,342	$1,061,206	$348,764	$-137,864
2019	$824,082	$872,780	$315,134	$-48,698
2018	$354,532	$349,600	$360,803	$4,932
2018	$645,662	$664,770	$379,867	$-19,108

YOUNG WOMENS CHRISTIAN ASSOCIATION OF THE HARBOR AREA