Dow Bay Area Family YMCA
Legal name: Dow Bay Area Family Young Men's Christian Association
Nonprofit profile at a glance
- EIN
- 381358415
- IRS 990 coverage
- 2011–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Bay City, MI, United States
- Phone
- (989) 895-8596
- Rating
- 87
- Verdict
- STRONG
- Rating confidence
- Standard
- Affiliation
- Christianity
Reported finances
- Revenue
- $5,530,374
- Expenses
- $5,712,817
- Assets
- $20,919,255
- Liabilities
- $557,589
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
16 people listed
Executive titles in this filing
- STEVEN KRANKOTA JR (CEO)
Highest reported compensation
- STEVEN KRANKOTA JR (CEO): $120,745 total reported compensation
- JESSICA GOHS (CFO): $92,715 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Our Mission: To put Christian principles into place through programs that build healthy spirit, mind, and body for all. We are grateful for the compassionate, dedicated, and hard-working volunteers whose talents and commitment help us nurture the potential of all in the Great Lakes Bay Region. These individuals work selflessly through the YMCAs Mission to improve the health and well-being of our community and provide support to our neighbors. Learn More ABout Us and Our Team Officers. With such a beautiful building, the future has never been brighter for the Dow Bay Area Family YMCA. As a staff, as members, as an organization, and as a community, we will continue to bring forward the very best in fitness, childcare, programming, and fun. We are so proud of what we have accomplished, and look forward to many successful years to come. About the Y Our Mission:** To put Christian...
What it reported doing in 2025
Youth sports - youth sports focus on the full and equal participation of all. Young people participating in sports build lifelong positive attitudes, habits of healthy exercise and good nutrition, and learn ways to have fun as adults. Both adult and youth sports programs value cooperation over competition, fair play over winning at any cost, good feeling and good health over a good score, and building self esteem over beating the opponent. The y knows that with this approach everyone wins undefeated in spirit, mind, and body. In 2025, youth sports leagues included youth basketball academy (610 participants), youth volleyball academy (158 participants), and youth flag football (207 participants). Financial assistance in the amount of $11,112 provided free or reduced sports program registrations (101) in 2025. Health and fitness - dow bay area family ymca supports chronic disease prevention through a life-long progression of evidence-based health and fitness initiatives like enhance fitness, group exercise classes for all ages, and use of fitness equipment in and around our 96,400 sq. Ft. Facility and 24/7 area. Youth and families - y youth programs give kids good role models to help them develop self-esteem and good values including cooperation, respect for the body, good citizenship, and a strong work ethic. The y is proud to be a family organization, giving families a safe, reliable, and affordable place to go. Strengthening families and meeting the needs of children have always been central to the y mission of building healthy spirits, minds, and bodies for all. To support this goal, dow bay area family ymca (with financial support from community organizations and individuals) opened a community care closet in 2025, which has already provided thousands of personal hygiene products at no cost, no questions asked, to individuals and families. We also provide monthly cooking classes in our teaching kitchen to youth and families. In 2025, we taught 129 unique children basic culinary skills in various themed classes.
Operating model
- Revenue model
- Other-operating. 79% of the money available for current operations came from other operating revenue.
- Distribution model
- Direct operator. The filing allocates 99% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 79
- Transparency & Controls: 94
- Accountability: 100
- Sustainability: 46
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 86.7%; rating input score 87
- Program expense ratio: 83.4%; rating input score 83
- Fundraising efficiency: $8.21 raised per $1 spent on fundraising; rating input score 29; 29th percentile among comparable filings
Transparency & Controls
- Consistency checks: 92.9%; rating input score 93; 14th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: -3.3%; rating input score 18; 18th percentile among comparable filings
- Total-asset coverage ratio: 3.66; rating input score 75; 75th percentile among comparable filings
- Liabilities to assets ratio: 0.03; rating input score 69; 69th percentile among comparable filings
- Officer compensation ratio: 3.7%; rating input score 65; 65th percentile among comparable filings
Growth
- Program expense growth: 4.6% per year; rating input score 100; 33rd percentile among comparable filings
- Revenue growth: 7.5% per year; rating input score 100; 55th percentile among comparable filings
- Asset growth: 1.6% per year; rating input score 100; 16th percentile among comparable filings
Details
- What they do: 8 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: 86.7% of revenue deployed · 83.4% of spending went to programs
- Governance: 14 of 14 board members independent · 9 of 9 filing controls reported
- Programs: 4 filed program accomplishments · $4.8M in reported program spending
- Leadership: top reported pay $121K · 16 people listed
- Consistency: 42 of 43 current checks pass · 1 finding to review
- Schedules: 7 filed schedules · includes major donors
- Filing history: 14 filing years from 2011 to 2025
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- Related organizations: 2 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Fundraising efficiency scored 29/100.
- High — Sustainability: Operating margin scored 18/100.
- Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.