Sterling-rock Falls Family Ymca

Nonprofit profile at a glance

EIN
362225496
IRS 990 coverage
2013–2025
Forms available
Form 990 2025, Form 990-T 2025
Location
Sterling, IL, USA
Phone
8155359622
Rating
79
Verdict
SUPPORTED
Rating confidence
Moderate
Affiliation
Christianity

Official website

Reported finances

Revenue
$2,427,758
Expenses
$2,808,672
Assets
$6,206,242
Liabilities
$1,190,326

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

Leadership & pay

13 people listed

Executive titles in this filing

  • TRISH KLAVER (CEO)

Highest reported compensation

  • TRISH KLAVER (CEO): $183,490 total reported compensation

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

Overview

Mission

To put christian principles into practice through programs that build healthy spirit, mind and body for all. The sterling rock falls ymca is a nonprofit like no other. That's because in we have the presence and partnerships to not just promise, but deliver, positive change. The sterling rock falls ymca is community-centered. For 125 years, we've been listening and responding to the sterling-rock falls community. The sterling rock falls ymca brings people together. We connect people of all ages and backgrounds to bridge the gaps in community needs. The sterling rock falls ymca nurtures potential. We believe that everyone should have the opportunity to learn, grow and thrive. The sterling rock falls ymca has local presence and global reach. We mobilize local communities to effect lasting, meaningful change.

What it reported doing in 2025

Health and well being for allmembership: members are offered the use of the association facilities, which are for promotion of health and wellness. Included in these facilities are a swimming pool, gym, wellness center and aerobics room. Membership includes the use of the entire facility, participation in fitness classes and free baby-sitting while using the facility and programs.the sterling-rock falls family ymca provides financial assistance for membership and youth development programs. Over 8,661 people benefited from membership and program services in 2025. The sterling-rock falls family ymca offers a wide variety of programs for community members and ymca members.ymca membership and programs are designed to further the ymca mission. Our ymca seeks to help our members and community participants:1. Develop self-confidence and self-recpect - and appreciation of their own worth as individuals2. Develp values for daily living; develop moral and ethical behavior based on judeo-christian principles3. Grow as responsible members of their families and as citizens of their communities.4. Appreciate that health of mind and body is a sacred gift, and that physical fitness and mental well-being are conditions to be achieved and maintained.5. Recognize the worth of all persons, and work with interracial and inter-group understanding.6. Develop a sense of world-mindedness and work for world-wide understanding.7. Develop their capacities for leadership and use them responsibly in their own groups and community life.8. Become leaders and supporters; learn the give and take necessary steps to work toward common good.9. Develop specific life skills; acquire new knowledge and ways to grow in spirit, mind, and body for all.

Operating model

Revenue model
Earned-program. 66% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 95% 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. Expenses are high relative to revenue and program spending has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 79
  • Transparency & Controls: 79
  • Accountability: 100
  • Sustainability: 31
  • Growth: 40

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 87.3%; rating input score 87
  • Program expense ratio: 74.7%; rating input score 75
  • Fundraising efficiency: $17.59 raised per $1 spent on fundraising; rating input score 55; 55th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: 2 of 6 controls in place; rating input score 33
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • 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: 8 of 8 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: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -15.7%; rating input score 6; 6th percentile among comparable filings
  • Total-asset coverage ratio: 2.21; rating input score 61; 61st percentile among comparable filings
  • Liabilities to assets ratio: 0.19; rating input score 36; 36th percentile among comparable filings
  • Officer compensation ratio: 6.5%; rating input score 47; 47th percentile among comparable filings

Growth

  • Program expense growth: -1.5% per year; rating input score 0; 9th percentile among comparable filings
  • Revenue growth: 0.6% per year; rating input score 100; 10th percentile among comparable filings
  • Asset growth: -0.6% per year; rating input score 0; 9th percentile among comparable filings

Details

  • Where the money goes: 87.3% of revenue deployed · 74.7% of spending went to programs
  • Governance: 12 of 12 board members independent · 8 of 8 filing controls reported
  • Programs: 3 filed program accomplishments · $2.1M in reported program spending
  • Leadership: top reported pay $183K · 13 people listed · 2 of 6 pay-setting controls reported
  • Consistency: 38 of 38 current checks pass
  • Schedules: 7 filed schedules · includes major donors, grants, and executive pay
  • Filing history: 13 filing years from 2013 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • 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 — Sustainability: Operating margin scored 6/100.
  • High — Growth: Program expense growth scored 0/100.
  • Review — Financial Efficiency: Fundraising efficiency scored 55/100.
  • High — Growth: Asset growth scored 0/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 36/100.
  • Moderate — Sustainability: Officer compensation ratio scored 47/100.