MORRO BAY YACHT CLUB (EIN 952477156) - 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

1957

Legal Domicile

Principal Officer

RAYMOND SHADY

Phone

8057723981

Tax Period

2024-01-01 to 2024-12-31

MORRO BAY YACHT CLUB, founded in 1957, is a small nonprofit that reported $387K in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum.

Mission

PROMOTE SAILING ACTIVITIES

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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 $160,434

Program Service Revenue $177,945

Investment Income $22,434

Other Revenue $25,737

TOTAL REVENUE $386,550

Expense Breakdown

Grants Paid $0

Salaries & Benefits $41,102

Fundraising Expenses $0

Other Expenses $334,370

TOTAL EXPENSES $375,472

Year-over-Year Comparison

	2024	2023	Change
Revenue	$386,550	$300,042	+0.3%
Expenses	$375,472	$215,791	+0.7%
Net Income	$11,078	$84,251	-0.9%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
JESSE FERRIS	REAR COMMODO	3.00	Director	$0	$0	$0
JOHN WIMER	VICE COMMODO	3.00	Director	$0	$0	$0
TOM WRIGHT	COMMODORE	3.00	Director	$0	$0	$0
RAYMOND SHADY	TREASURER	4.00	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
2024	$386,550	$375,472	$742,036	$11,078
2023	$300,042	$215,791	$730,931	$84,251
2022	$274,183	$256,171	$635,761	$18,012
2021	$234,290	$168,209	$651,067	$66,081
2020	$198,801	$130,836	$584,424	$67,965
2019	$225,194	$158,835	$539,462	$66,359
2018	$204,097	$184,922	$479,429	$19,175

MORRO BAY YACHT CLUB