SAN LUIS YACHT CLUB (EIN 953853372) - 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

1954

Legal Domicile

Principal Officer

BRET CLARK

Phone

8052351126

Tax Period

2025-01-01 to 2025-12-31

SAN LUIS YACHT CLUB, founded in 1954, is a small nonprofit that reported $140K in total revenue in fiscal year 2025. Revenue fell 35% from the prior year — a significant decline worth monitoring. Expenses of $156K exceeded revenue, resulting in a 11% operating deficit.

Mission

PROMOTION OF RECREATIONAL SAILING EVENTS AND BOATING SAFETY CLASSES

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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 $85,771

Program Service Revenue $0

Investment Income $7,054

Other Revenue $47,563

TOTAL REVENUE $140,388

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $156,274

TOTAL EXPENSES $156,274

Year-over-Year Comparison

	2025	2024	Change
Revenue	$140,388	$216,768	-0.4%
Expenses	$156,274	$136,201	+0.1%
Net Income	$-15,886	$80,567	-1.2%

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

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
BRET CLARK	COMMODORE	6.00	Officer	$0	$0	$0
PAT MULLEN	VICE COMMODO	5.00	Officer	$0	$0	$0
LILY CURTIS	TREASURER	3.00	Officer	$0	$0	$0
KRISTIN BLECHA	SECRETARY	5.00	Officer	$0	$0	$0
EDDIE O'BRIEN	DIRECTOR	2.00	Director	$0	$0	$0
MATTHEW FARMER	DIRECTOR	2.00	Director	$0	$0	$0
FREEMAN TIDABACK	DIRECTOR	2.00	Director	$0	$0	$0
TOM SWEM	REAR COMMODO	5.00	Director	$0	$0	$0
KEN SAN FELIPPO	SR. STAFF CO	4.00	Director	$0	$0	$0
BOB HURD	JR. STAFF CO	3.00	Director	$0	$0	$0
KRISTIN RASMUSSEM	CRUISING CAP	3.00	Director	$0	$0	$0
MICHAEL GINN	POWER CAPTAI	4.00	Director	$0	$0	$0
CARTER MCGOWEN	PORT CAPTAIN	4.00	Director	$0	$0	$0
JJ FRANCOISSE	SAIL FLEET C	4.00	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	$140,388	$156,274	$543,009	$-15,886
2024	No data	No data	No data	No data
2023	$151,339	$121,731	$533,726	$29,608
2022	$129,351	$128,691	$504,118	$660
2021	$93,378	$65,796	$503,458	$27,582
2020	$89,429	$72,378	$475,876	$17,051
2019	$125,368	$145,220	$458,825	$-19,852
2018	$103,676	$120,085	$478,677	$-16,409

SAN LUIS YACHT CLUB