St Cloud Area Family YMCA

What it reported doing in 2025

Healthy Living & Other Program Services: Our YMCA is committed to nurturing the spirit, mind, and body of every child, teen, and adult we interact with in our community. We assist our community members in three ways; First, we provide quality programs and membership opportunities targeted to support a healthy lifestyle. This includes partnerships and programs for those who struggle with chronic health issues, including multiple sclerosis, arthritis, and weight management. In 2025 we started a Diabetes health support group to promote healthier lifestyles and community for those living with the disease, and our partnership with St. Cloud Orthopedics allows us to rent out our therapy pool to allow them to host orthopedic rehabilitation programs. The second way we assist our community is through our financial assistance program. Qualifying applicants may join the YMCA as members based on their ability to pay by filling out a financial assistance application. The income limits for this application reflect the limits listed for free and reduced lunch in District 742. Applicants may receive either a 20%, 40%, or 60% reduction on their membership fees and either a 25% or 50% reduction on qualifying programs based on their current financial situation. The financial assistance program is entirely confidential in order to keep our members free from any possible social stigma. Our financial assistance program also assists students from local colleges and universities. During 2025, our YMCA provided 655 individual or family units with financial assistance for memberships and also subsidized the membership fees for 215 St. Cloud Technical and Community College students and nontraditional students, amounting to $317,381 in financial assistance for memberships alone. The YMCA also provided financial assistance for swim lessons, swim team, youth sports, summer and vacation camp, home school fitness program participants, and childcare in the amount of $61,849. The third way we assist our community is through partnerships with community non-profits and schools such as District 742 Schools, Anna Marie's Shelter, Big Brothers/Big Sisters, 180 Degrees, The Salvation Army, Terebinth Refuge, and various Preschool, Head Start and Early Childhood programs. Active participation in YMCA programs and facilities promotes social interaction, overall health, builds self-esteem, and develops social networking relationships. This is particularly important as our nation struggles with obesity, mental health, social isolation, chronic illness, and the struggle families exhibit with work-life balance. For example, our staff made thousands of calls during the COVID-19 pandemic to members as a well-being check. At the St. Cloud Area Family YMCA, we care about our members, and by making these calls we strengthened our relationships with our members and worked to decrease any mental health issues and to battle social isolation during a time when in-person social interactions and gatherings were strongly discouraged. We issue community outreach financial assistance, which provides free access to families or individuals in transition homes such as Anna Marie's Shelter and Terebinth Refuge, and community discounts to ensure our programs are accessible, affordable, and open to those of all faiths, backgrounds, ethnicities, abilities, and income levels. It is also our honor and privilege to provide free memberships for military (OIF/OEF) families while the service person is deployed to allow full facility and program participation for the service member and their families. In total, our YMCA provided almost $1,700,000 of financial assistance and discounts in 2025. It is important to note that all members, including those receiving financial assistance, receive discounted program rates (usually $20 per program). We are committed to encouraging every one of our members and guests to fulfill their personal potential to be healthy, engaged participants in our community.

Financial Efficiency

• Mission deployment rate: 62.7%; rating input score 63
• Program expense ratio: 77.9%; rating input score 78
• Fundraising efficiency: $7.31 raised per $1 spent on fundraising; rating input score 25; 25th percentile among comparable filings

Transparency & Controls

• Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
• Pay-setting controls: 1 of 6 controls in place; rating input score 17
  • Compensation committee: Missing
  • Independent consultant: Missing
  • Other Form 990s reviewed: Missing
  • 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; 75th percentile among comparable filings
• 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: 7 of 9 controls in place; rating input score 78
  • Conflict-of-interest policy: Pass
  • Whistleblower policy: Pass
  • Document-retention policy: Pass
  • CEO compensation review process: Fail
  • 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: 21.8%; rating input score 74; 74th percentile among comparable filings
• Total-asset coverage ratio: 6.69; rating input score 85; 85th percentile among comparable filings
• Liabilities to assets ratio: 0.07; rating input score 54; 54th percentile among comparable filings
• Officer compensation ratio: 7.2%; rating input score 44; 44th percentile among comparable filings

Growth

• Program expense growth: 8.4% per year; rating input score 100; 54th percentile among comparable filings
• Revenue growth: 8.9% per year; rating input score 100; 61st percentile among comparable filings
• Asset growth: 14% per year; rating input score 100; 71st percentile among comparable filings