Silver Bay YMCA

Legal name: Silver Bay Association for Christian Conferences and Training

Nonprofit profile at a glance

EIN
135604788
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Silver Bay, NY, USA
Phone
5184388501
Rating
88
Verdict
STRONG
Rating confidence
Standard
Sector
Young Men's or Women's Associations
Affiliation
Christianity

Official website

Reported finances

Revenue
$10,555,515
Expenses
$11,825,042
Assets
$46,794,392
Liabilities
$3,148,391

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

25 people listed

Executive titles in this filing

  • Lucas Callahan (VP of Guest Experience/ Interim CEO (starting 10/25))
  • Peter Doliber (Chief Executive Officer (thru 10/25))

Highest reported compensation

  • Peter Doliber (Chief Executive Officer (thru 10/25)): $300,378 total reported compensation
  • Lucas Callahan (VP of Guest Experience/ Interim CEO (starting 10/25)): $161,914 total reported compensation
  • Maletta Hourigan (Chief Financial Officer): $148,653 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Silver Bay YMCA is a charitable organization that provides conferences and training and supports programs for individuals and families. Volunteer Share Your Talents, Shape Our Community At Silver Bay, volunteers are the heart of what we do. Whether you’re lending your skills, your time, or simply your energy, every contribution helps create meaningful experiences for our guests and members. Join us in building connections, supporting programs, and shaping the welcoming community that makes Silver Bay so special. At Silver Bay, volunteers are the heart of what we do. **Volunteer Now!

What it reported doing in 2025

(continued from above) -the silver bay ymca teen center is a safe and wholesome place for youth, where students interact with their peers on a level playing field, caring adults provide a safety net of supportive services, fun, fellowship, self-discovery flourish. Students have access to a variety of recretional activities: from open gym to arts and crafts, homework help, and the ymca leaders club program. This program is available to any teen in the north country in grades 6 through 12 at no cost. The teen center is also made available to other community groups at no cost for activities that include: senior citizen recreational activities and community youth team sport training and practice. Approximately 104 youth participated in the program. -youth and government is a program that develops leadership abilities and political awareness abilities in high school students and helps them become good citizens through learning and experiencing our democratic legislative process. Additionally, they learn the skills of negotiating, writing and oral debate skills. This program also gives teens positive role models and helps them develop better self-esteem, a strong work ethic, group skills, and an interest in civic involvement. Approximately 91 youth participated in the program. -elementary through college school groups come to silver bay for team-building activities that help youth to learn to work together to accomplish goals and build self-esteem by stepping out of their comfort zones and identifying personal strengths to become better leaders. Approximately 2,201 students served. -educational lectures and leadership development programs are provided to help adults learn new skills and become aware of current issues in a rapidly changing world. Approximately 702 people served. -fitness center and hiking trails are provided year-round to encourage healthy lifestyls for all ages. Approximately 7,338 people served. -lifetime activities like canoeing, archery, tennis, and exercise classes are learned which encourage both youth and adults to adopt healthy lifestyles. Approximately 21,329 people served. -a no-cost lending library for people of all ages provides learning opportunities. Approximately 1,280 people served.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 100% 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: 89
  • Transparency & Controls: 88
  • Accountability: 97
  • Sustainability: 37
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 85.3%; rating input score 85
  • Fundraising efficiency: $13.6 raised per $1 spent on fundraising; rating input score 43; 43rd percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 3 of 6 controls in place; rating input score 50
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Pass
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 76th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 95%; rating input score 95; 24th 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: -12%; rating input score 5; 5th percentile among comparable filings
  • Total-asset coverage ratio: 3.96; rating input score 73; 73rd percentile among comparable filings
  • Liabilities to assets ratio: 0.07; rating input score 72; 72nd percentile among comparable filings
  • Officer compensation ratio: 7.5%; rating input score 39; 39th percentile among comparable filings

Growth

  • Program expense growth: 5.2% per year; rating input score 100; 41st percentile among comparable filings
  • Revenue growth: 1.4% per year; rating input score 100; 11th percentile among comparable filings
  • Asset growth: 4.6% per year; rating input score 100; 31st percentile among comparable filings

Details

  • What they do: Mission, programs, and operating context captured from the official website.
  • Where the money goes: 100% of revenue deployed · 85.3% of spending went to programs
  • Governance: 19 of 20 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $10.1M in reported program spending
  • Leadership: top reported pay $300K · 25 people listed · 3 of 6 pay-setting controls reported
  • Highest-paid contractors: 1 contractor listed · $104K reported
  • Consistency: 36 of 37 current checks pass · 1 finding to review
  • Schedules: 7 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: 5 filed money-flow records
  • Related organizations: Filed and resolved organization relationships.
  • 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.

  • Moderate — Financial Efficiency: Fundraising efficiency scored 43/100.
  • High — Sustainability: Operating margin scored 5/100.
  • Moderate — Sustainability: Officer compensation ratio scored 39/100.
  • Moderate — Transparency & Controls: Schedule D expense reconciliation did not reconcile in the filed values.