American Yacht Club Inc

EIN: 04-2074119 · Newburyport, MA · Data spans: TY2020–TY2024

Most recent filing: Tax Year 2024.

A more recent filing may not yet be published.

Sailing's public record, made legible. All numbers come directly from this organization's own sworn 990 filing. Patterns are computed from years of filings — not assessments or judgments.

Read trends in context: compare like with like, note the filing year, and treat major disruptions (like 2020–2021) as discontinuities rather than a continuous baseline.

Missing or N/A does not always mean absent. It can mean the item was not disclosed on that form, not collected on that filing type, or not available for that year.

Cash basisNo audit disclosedPart XII · TY2024
Total Revenueℹ️Form 990, Part VIII — Statement of Revenue. Includes contributions, grants, member dues, program service revenue, and investment income. Does NOT include borrowed funds or asset sales proceeds.

$317,352

Total Expensesℹ️Form 990, Part IX (full 990) or Part I Line 17 (990-EZ) — Total functional expenses. Includes program service expenses, management and general, and fundraising. The gap between revenue and expenses is the operating surplus or deficit for the year.

$211,712

Total Assetsℹ️Form 990, Part X — Balance Sheet, end of year. Includes cash, receivables, investments, land, buildings, and equipment.

$520,603

Net Assetsℹ️Form 990, Part X — Total assets minus total liabilities. Positive = financially solvent. Negative = liabilities exceed assets. Also called 'fund balance.'

$515,609

17 W-2 employees reported (Form W-3, most recent filing — contractors and volunteers excluded) · TY2024 · 990

Total compensation, benefits & payroll taxes (Part IX)

TY2024

$58,871

Full cost to employ everyone — wages + employer benefits + payroll taxes. Not officer pay alone.

~$3,000 per employee average across 17 W-2 employees; includes benefits & payroll taxes; part-time and seasonal staff counted at full weight.

Named officers/key employees (Part VII‑A) show reportable compensation only and are already included in the Part IX total above. They are not additive.

Named staff org comp sums to $20,000. The remaining $38,871 is unlisted staff labor cost — includes benefits & payroll taxes for all employees, not any one person's salary.

Professional & consulting fees (Part IX, line 11)

No professional or consulting fees reported in Part IX for TY2024.

Functional Expense Allocation (Part IX)

TY2024

$211,712total functional expenses

100.0%

Program services

$211,712

0.0%

Management & general

$0

0.0%

Fundraising

$0

Source: Form 990, Part IX, line 25. A higher program-service percentage generally indicates more mission-directed spending.

Historical Trends

Revenue vs. Expenses

Net Revenue / Operating Margin

Net Assets

Revenue Trend

Tax YearPeriodFormRevenueExpensesNet RevenueNet Assets
TY20202020–2021990$184,709$246,746-$62,037$175,455
TY20212020–2021990$277,762$198,915$78,847$254,302
TY20222022+990$253,041$188,243$64,798$319,100
TY20232022+990$296,018$205,149$90,869$409,969
TY20242022+990$317,352$211,712$105,640$515,609

Revenue trend is a filing-history view. It helps you compare operating periods, not infer the club's live condition today.

Revenue Breakdown (Part VIII — most recent year)

Form 990, Part VIII — Statement of Revenue. Includes, but is not limited to: Line 1 = contributions and grants (including member dues reported as contributions). Lines 2a–2f = program service revenue (activities that directly further the organization's exempt purpose). Line 3 = investment income. The specific mix varies by organization type. Source: the organization's own sworn filing.

LineDescriptionAmount
12Total revenue$317,352
1bMembership dues$147,110
1fAll other contributions, gifts, grants$1,260
1hTotal contributions and grants$148,370
2aBoat Storage Other Yard Income$68,175
2bMooring Committee Income$43,071
2cSailing School Income$26,766
2dMisc Related Income$8,596
2eRegatta Committee Income$655
2fTotal program service revenue$147,263
3Investment income$21,719

Most revenue is reported in a single category this year. That can be normal for some org types; see the source filing for detail.

Balance Sheet (Part X)

TY2024
LineDescriptionBOYEOY
16Total assets$409,969$520,603
26Total liabilities$0$4,994
33Total net assets or fund balances$409,969$515,609

Source: Form 990, Part X, Balance Sheet.

Officers & Key Staff (Part VII)

How to read this section

This is not a full staff directory. It is the subset of people the organization had to disclose in Form 990, Part VII (the officer, director, trustee, key employee, and highest-compensated employee section of the filing). Why this matters: a missing name does not mean a person was not employed or involved.

Total Volunteer Board Hours/Week (Selected Year): 30

Hours per week are self-reported by each officer on Form 990, Part VII. They are not verified.

Officers and directors as reported on Form 990, Part VII. These are typically unpaid, elected positions. If an officer receives compensation, it will appear in the Paid Staff tab.

Operationally, this section is most useful for understanding disclosed leadership structure, compensation visibility, and board labor — not for reconstructing the full staffing model of a club.

NameTitleHours/WeekStatus
Philip KubatDirector5Volunteer
David SestiniPresident5Volunteer
William Ryan IIIDirector5Volunteer
Paul Le MaitreRear Commodore5Volunteer
Amy SisonVice Commodore5Volunteer
William CaronMeasurer5Volunteer

Programs (Part III — most recent year)

Form 990, Part III — Statement of Program Service Accomplishments. These are the activities that directly further the organization's exempt purpose. Expenses, grants, and revenue are as reported in the organization's own sworn filing.

Mooring Committee Expenses consist of supplies, equipment, repairs and maintenance and contract labor.

Boat Storage and Yard Expenses consist of repairs and maintenance to the parking lot, mast rack and general supplies.

Regatta Committee Expenses

Miscellaneous related income and expenses - includes program related occupancy and insurance that benefits all programs.

Sailing School

Governance & Transparency Signals

The IRS Form 990 is a sworn disclosure document — not just a tax return. Beyond financials, it captures governance policies, compensation practices, and relationships between insiders and the organization. Every category below comes directly from that filing. When a field is blank, it is often because this form type doesn’t require it, or the org doesn’t meet the threshold that triggers disclosure. That context is itself worth knowing.

Conflict of Interest Policy

Form 990, Part VI — Line 12a

⚠️ No

No conflict of interest policy reported. Without one, there is no documented mechanism for identifying when a board member has a personal financial stake in a decision — or for recusing them when they do. The IRS doesn’t legally require this policy, but its absence is a factor they weigh when scrutinizing excess benefit transactions. Most volunteer-run clubs handle conflicts informally; a formal policy matters most when the stakes — contract size, executive pay, vendor selection — get larger.

Whistleblower Protection Policy

Form 990, Part VI — Line 13

⚠️ No

No whistleblower protection policy reported. Without a documented process, a staff member or volunteer who notices irregular transactions has no protected channel to report it — and no written assurance they won’t face consequences for raising the issue. The IRS added this question in 2008 following Sarbanes-Oxley. Absence does not imply wrongdoing; many small clubs haven’t formalized this in writing even when informal norms are healthy.

Officer & Key Employee Compensation (Part VII)

Form 990, Part VII — Named individuals with reportable compensation

Part VII requires individual disclosure of all officers, directors, trustees, key employees, and the five highest-compensated employees earning above the reporting threshold. The individuals listed here are from the most recent available filing.

NameTitleComp from Org
Stephen MuiseCollector$1,750
Joyce E StoehrSecretary$1,750
Patricia BrunelleTreasurer$1,750
Elizabeth NovakDirector$1,750
Patricia BrunelleTreasurer$1,500
Elizabeth NovakDirector$1,500
Stephen MuiseCollector$1,500
Joyce E StoehrSecretary$1,500

Compensation shown is reportable compensation from this organization only, as disclosed in Part VII. The $150,000 threshold is significant context: most volunteer-run sailing clubs report $0 for all officers. When professional staff — a General Manager, Executive Director, or Harbor Master — earns above that level, it signals an org operating more like a business than a volunteer collective. That’s not inherently good or bad: a $12M club with 45 full-time employees may well need a $200K GM. But a $400K club paying its Commodore $180K warrants scrutiny.

Independent Compensation Consultant

Schedule J, Part I — Organizations filing when comp exceeds $150K

Schedule J not required for this organization.

Schedule J is only filed when at least one individual in Part VII received more than $150,000 in total compensation. This organization doesn’t meet that threshold, so this schedule is not required. Among the 35.7% of organizations in this corpus that do file Schedule J, 35.7% used an independent compensation consultant. When Schedule J IS required, this question asks whether the board hired an outside firm — unconnected to the organization — to benchmark executive pay against market rates. It reduces the risk that a board approves whatever the ED requests rather than what comparable organizations actually pay.

Equity-Based Compensation

Schedule J, Part II — Per-person compensation detail

Schedule J not required for this organization.

Related-Party Transactions (Schedule L)

Schedule L — Transactions with Interested Persons (officers, directors, their families, controlled entities)

Schedule L requires disclosure of loans, grants, and business transactions between the organization and its own insiders — board members, officers, key employees, and their family members or entities they control. Nonprofits are not prohibited from transacting with insiders, but they must disclose it, follow fair-market-value standards, and document that the transaction benefited the organization, not just the insider. These disclosures exist because self-dealing is the most direct way nonprofit assets can flow to those in control.

No related-party transactions found in our data for this organization. Schedule L is only required when transactions occur — absence means none were reported, not necessarily that none occurred.

Voting Board Members

10

Independent Members

10

Total Employees

17

Total Volunteers

0

Schedule O — Supplemental Information (most recent year)

Organizations use Schedule O to provide additional explanation for answers given on the main 990 form. These are direct excerpts from the filed document.

Pt VI, Line 11b

The Form 990 is presented to and reviewed by the board before being approved for submission.

Pt VI, Line 19

The Clubs governing documents and financial statements are available to the public upon request.

Pt VI, Line 6

The Club has approximately 300 members.

Pt VI, Line 7a

The Clubs officers and directors are elected by its members.

Form 990, Part III, Line 4d

Regatta Committee Expenses

Mission

Recreational boating yacht club activities for members including sailing lessons, regattas and other relatated activities.

As stated in the organization's 990 filing.

IRS Source Filings

Source filings are IRS e-file records in XML (Extensible Markup Language) format — a structured data standard used by the IRS for electronic filing. If you open one of these links, it will look like code. That's not an error — that's what XML looks like. Harbor Commons processes this raw XML and presents the structured, readable view you see above.

Why this matters: the XML is the receipt. Harbor Commons is the reading layer on top of that receipt. If you ever need to verify a number, wording choice, or disclosure, the source filing is where to check.

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