Duluth Area Family Ymca
Nonprofit profile at a glance
- EIN
- 410693931
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025, Form 990-T 2025
- Location
- Duluth, MN, USA
- Phone
- 2187224745
- Rating
- 79
- Verdict
- SUPPORTED
- Rating confidence
- Standard
- Sector
- Young Men's or Women's Associations
Reported finances
- Revenue
- $15,149,086
- Expenses
- $14,212,463
- Assets
- $25,189,388
- Liabilities
- $1,887,153
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
19 people listed
Executive titles in this filing
- SARA COLE (PRESIDENT & CEO)
Highest reported compensation
- SARA COLE (PRESIDENT & CEO): $443,689 total reported compensation
- AMY HUME (CFO AND VP OF ADMIN & SHARED SVCS.): $280,487 total reported compensation
- JERAMY KATCHUBA (COO): $201,459 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The duluth area family ymca is dedicated to putting the principles of caring, honesty, respect, and responsibility into practice through programs that build healthy spirit, mind, and body for all.
What it reported doing in 2025
Social responsibility - our ymca believes in giving back and supporting our neighbors. We have been listening and responding to our community's most critical social needs for more than 130 years. Y programs, such as true north americorps, is an example of how we deliver training, resources, and support that empower our neighbors to effect change, bridge gaps, and overcome obstacles. Since 2014, we have placed 1,000 americorps members throughout northeastern Minnesota. True north americorps places national service members in schools, afterschool programs, and youth servicing agencies. Members provide math and reading interventions, afterschool clubs, service-learning opportunities, mentoring, and social-emotional learning. The duluth area family ymca is committed to year-round food access and has provided thousands of meals. The y is dedicated to providing meals for families in our community! The duluth area family ymca is the leader in our community providing cpr, first aid and lifeguard training to our communities. In addition, our y provides training resources to ymca across our region and provides lifeguards to the only beach in duluth that is lifeguarded.
Operating model
- Revenue model
- Other-operating. 77% of the money available for current operations came from other operating revenue.
- Distribution model
- Direct operator. The filing allocates 96% 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
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some related-organization disclosures are missing and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 73
- Transparency & Controls: 78
- Accountability: 95
- Sustainability: 50
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 73.3%; rating input score 73
- Program expense ratio: 77.5%; rating input score 77
- Fundraising efficiency: $28.27 raised per $1 spent on fundraising; rating input score 64; 64th percentile among comparable filings
Transparency & Controls
- Consistency checks: 88.9%; rating input score 89; 4th percentile among comparable filings
- Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Pass
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 98%; rating input score 98; 39th percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: No; rating input score 0
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 6.2%; rating input score 48; 48th percentile among comparable filings
- Total-asset coverage ratio: 1.77; rating input score 48; 48th percentile among comparable filings
- Liabilities to assets ratio: 0.07; rating input score 71; 71st percentile among comparable filings
- Officer compensation ratio: 6.5%; rating input score 46; 46th percentile among comparable filings
Growth
- Program expense growth: 6.6% per year; rating input score 100; 49th percentile among comparable filings
- Revenue growth: 7.9% per year; rating input score 100; 62nd percentile among comparable filings
- Asset growth: 6.1% per year; rating input score 100; 43rd percentile among comparable filings
Details
- Where the money goes: 73.3% of revenue deployed · 77.5% of spending went to programs
- Governance: 16 of 16 board members independent · 8 of 9 filing controls reported
- Programs: 3 filed program accomplishments · $11M in reported program spending
- Leadership: top reported pay $444K · 19 people listed · 3 of 6 pay-setting controls reported
- Consistency: 38 of 40 current checks pass · 2 findings to review
- Schedules: 8 filed schedules · includes major donors, grants, and executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 3 filed money-flow records
- Related organizations: 3 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 — Transparency & Controls: Related-party transparency scored 0/100.
- Moderate — Sustainability: Operating margin scored 48/100.
- Review — Accountability: Governance controls: Other executive compensation review process not reported.
- Moderate — Sustainability: Total-asset coverage ratio scored 48/100.
- Moderate — Sustainability: Officer compensation ratio scored 46/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.