Young Mens Christian Association of Coastal Georgia Inc

Nonprofit profile at a glance

EIN
580603160
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Savannah, GA, USA
Phone
9123545480
Rating
85
Verdict
STRONG
Rating confidence
Standard
Sector
Young Men's or Women's Associations
Affiliation
Christianity

Reported finances

Revenue
$23,556,731
Expenses
$23,841,413
Assets
$40,181,619
Liabilities
$8,992,064

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

Leadership & pay

43 people listed

Executive titles in this filing

  • Mr Joel Smoker (President/CEO)
  • Ms Mary Arocha (Vice President of Healthy Living)

Highest reported compensation

  • Mr Joel Smoker (President/CEO): $327,936 total reported compensation
  • Mr Keith Stephens (Chief Financial Officer): $159,470 total reported compensation
  • Ms Mary Arocha (Vice President of Healthy Living): $133,242 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 mission and purpose of the ymca of coastal Georgia is to put christian principles into practice through programs that build healthy spirit, mind and body for all. Ymca programs focus on our core values of caring, honesty, respect and responsibility. By identifying needs in the communities we serve, we are able to respond to those needs in ways that benefit the entire community. We serve men, women, and children of all ages, races, abilities, incomes and religions. We provide financial assistance to those who need it.

What it reported doing in 2025

Youth development: our ymca is committed to nurturing the potential of every child and teen. We believe that all kids deserve the opportunity to discover who they are and what they can achieve. We help young people cultivate their values, skills and relationships which lead to positive behaviors, better health, and educational achievement. Our programs such as childcare, pre-school, youth sports, school aged care and day camp offer a range of experiences that enrich cognitive, social, physical and emotional growth. Our ymca is also focusing on work to address the "achievement gap" that many of the children in our communities face. Our achievement gap programs: early learning readiness, y readers, and y camp readers are designed to support the cognitive and social-emotional development of the youth while improving their academic outcomes at key educational milestones. Whether they have started school unprepared, are at risk of falling behind, or have experienced summer learning loss, our y collectively serves 24,411 kids and teens. The ymca of coastal ga wants to make sure that every child is given the opportunity to succeed.

Operating model

Revenue model
Other-operating. 86% of the money available for current operations came from other operating revenue.
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: 80
  • Transparency & Controls: 88
  • Accountability: 100
  • Sustainability: 36
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 86.6%; rating input score 87
  • Program expense ratio: 84.9%; rating input score 85
  • Fundraising efficiency: $9.86 raised per $1 spent on fundraising; rating input score 32; 32nd percentile among comparable filings

Transparency & Controls

  • Consistency checks: 88.9%; rating input score 89; 4th percentile among comparable filings
  • Pay-setting controls: 5 of 6 controls in place; rating input score 83
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Pass
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • 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; 64th 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: -1.2%; rating input score 17; 17th percentile among comparable filings
  • Total-asset coverage ratio: 1.69; rating input score 46; 46th percentile among comparable filings
  • Liabilities to assets ratio: 0.22; rating input score 49; 49th percentile among comparable filings
  • Officer compensation ratio: 2.6%; rating input score 76; 76th percentile among comparable filings

Growth

  • Program expense growth: 2.9% per year; rating input score 100; 24th percentile among comparable filings
  • Revenue growth: 3.6% per year; rating input score 100; 28th percentile among comparable filings
  • Asset growth: 2.9% per year; rating input score 100; 19th percentile among comparable filings

Details

  • Where the money goes: 86.6% of revenue deployed · 84.9% of spending went to programs
  • Governance: 41 of 41 board members independent · 9 of 9 filing controls reported
  • Programs: 4 filed program accomplishments · $20.2M in reported program spending
  • Leadership: top reported pay $328K · 43 people listed · 5 of 6 pay-setting controls reported
  • Highest-paid contractors: 4 contractors listed · $799K reported
  • Consistency: 47 of 49 current checks pass · 2 findings to review
  • Schedules: 7 filed schedules · includes major donors 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: 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 32/100.
  • High — Sustainability: Operating margin scored 17/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 46/100.
  • Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
  • Review — Transparency & Controls: Schedule G fundraiser detail did not reconcile in the filed values.
  • Moderate — Sustainability: Liabilities to assets ratio scored 49/100.