Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Western Mass Yacht Club
EIN 04-2808382 • 501(c)7 • West Warren, MA
Profile
PRIVATE NON PROFIT CLUB
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
No value available
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
60th percentile
Higher net margin than 60% of similar nonprofits.
Top Officer Pay
94th percentile
Higher top officer pay than 94% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
64th percentile
Faster asset growth than 64% of similar nonprofits.
Revenue Growth
73rd percentile
Faster revenue growth than 73% of similar nonprofits.
Balance Sheet
Assets
Up$57,028
Up $3,609 (+6.8%) from 2024
Liabilities
-
No earlier filing loaded for comparison.
Net Assets
Up$57,028
Up $3,609 (+6.8%) from 2024
Revenue
Up$59,659
Up $7,812 (+15%) from 2024
Expenses
Down$56,050
Down $1,297 (-2.3%) from 2024
Net Income
Up$3,609
Up $9,109 (+166%) from 2024
Trend Graphs
Filings
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $57,028
- Liabilities
- -
- Net assets
- $57,028
- Revenue
- $59,659
- Expenses
- $56,050
- Net income
- $3,609
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2025 to Dec 31, 2025
- Signed
- Mar 16, 2026
- Return Version
- 2025v4.0
- Gross Receipts
- $59,659
Mission and Program Overview
Mission
PRIVATE NON PROFIT CLUB
Program Services
| Description | Grants | Expenses |
|---|---|---|
| PROVIDE PLEASURE AND RECREATION FOR PRIVATE MEMBERS OFTHE ORGANIZATION WHO PAY DUES TO BELONG. | - | $300 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| DAVID COTE | President | - | $0 | - | - |
| LLOYD BERNECHE | Vice President | - | $0 | - | - |
| MAUREEN STGEORGE | Treasurer | - | $0 | - | - |
| RANDY LIGUORI | Secretary | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Western Mass Yacht Club
- EIN
- 04-2808382
- Phone
- 4133304973
- Address
- 61 SPRING ST PO BOX 566, WEST WARREN, MA 01092
Signing Officer
- Name
- Maureen St George
- Title
- Treasurer
- Phone
- 4133304973
- Signed
- 2026-03-16
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Pioneer Financial Inc
- Address
- 351 Newton St, South Hadley, MA 01075
- Preparer
- Edward G Wall
- Phone
- 4135328392
Supplemental Narrative
Additional Explanations
Form 990EZ, Part I, Line 8
“ICE SALES 419.”
Form 990EZ, Part I, Line 8
“Reimbursed expenses 2500.”
Form 990EZ, Part I, Line 8
“APPLICATION FEES 0.”
Form 990EZ, Part I, Line 8
“CLUB EVENT 0.”
Form 990EZ, Part I, Line 8
“Miscellaneous income 8000.”
Form 990EZ, Part I, Line 16
“Annual meeting expense/food 0.”
Form 990EZ, Part I, Line 16
“ANNUAL REPORT 0.”
Form 990EZ, Part I, Line 16
“BUILDINGS 200.”
Form 990EZ, Part I, Line 16
“DOCK-DAY 1158.”
Form 990EZ, Part I, Line 16
“DOCKS 13674.”
Form 990EZ, Part I, Line 16
“DONATIONS 0.”
Form 990EZ, Part I, Line 16
“DUES 342.”
Form 990EZ, Part I, Line 16
“EVENT SUPPLIES 362.”
Form 990EZ, Part I, Line 16
“GENERAL SUPPLIES 573.”
Form 990EZ, Part I, Line 16
“GROUNDS 5592.”
Form 990EZ, Part I, Line 16
“ICE 648.”
Form 990EZ, Part I, Line 16
“INSURANCE 4022.”
Form 990EZ, Part I, Line 16
“LICENSES AND PERMITS 0.”
Form 990EZ, Part I, Line 16
“MEETING EXPENSE 472.”
Form 990EZ, Part I, Line 16
“MISC 0.”
Form 990EZ, Part I, Line 16
“OFFICE SUPPLIES 75.”
Form 990EZ, Part I, Line 16
“POSTAGE 0.”
Form 990EZ, Part I, Line 16
“RENOVATIONS 0.”
Form 990EZ, Part I, Line 16
“REFUNDS 50.”
Form 990EZ, Part I, Line 16
“TAX CHARGES 730.”
Form 990EZ, Part I, Line 16
“CLUB SUPPLIES 0.”
Form 990EZ, Part I, Line 16
“Depreciation 1809.”
Form 990EZ, Part I, Line 16
“CLUB SHARES 2500.”
Raw XML Appendix170 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
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| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | MAUREEN STGEORGE |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 4133304973 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 61 SPRING STREET |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | WEST WARREN |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01092 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 33120 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 37964 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 0 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 3609 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 53419 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 57028 |
| IRS990EZ/FundraisingGrossIncomeAmt | 0 | 0 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 0 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 59659 |
| IRS990EZ/GrossReceiptsForPublicUseAmt | 0 | 0 |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InitiationFeesAndCapContriAmt | 0 | 0 |
| IRS990EZ/InvestmentIncomeAmt | 0 | 0 |
| IRS990EZ/LandAndBuildingsGrp/BOYAmt | 0 | 20299 |
| IRS990EZ/LandAndBuildingsGrp/EOYAmt | 0 | 19064 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 48740 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 53419 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 57028 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 53419 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 57028 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 23843 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | DAVID COTE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | LLOYD BERNECHE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | MAUREEN STGEORGE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | RANDY LIGUORI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | SECRETARY |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 32207 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 10919 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PRIVATE NON PROFIT CLUB |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | PROVIDE PLEASURE AND RECREATION FOR PRIVATE MEMBERS OFTHE ORGANIZATION WHO PAY DUES TO BELONG. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 300 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 0 |
| IRS990EZ/SpecialEventsNetIncomeLossAmt | 0 | 0 |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MA |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 56050 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 300 |
| IRS990EZ/TotalRevenueAmt | 0 | 59659 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ICE SALES 419. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | REIMBURSED EXPENSES 2500. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | APPLICATION FEES 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | CLUB EVENT 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | MISCELLANEOUS INCOME 8000. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | ANNUAL MEETING EXPENSE/FOOD 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | ANNUAL REPORT 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | BUILDINGS 200. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | DOCK-DAY 1158. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | DOCKS 13674. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | DONATIONS 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | DUES 342. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 12 | EVENT SUPPLIES 362. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 13 | GENERAL SUPPLIES 573. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 14 | GROUNDS 5592. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 15 | ICE 648. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 16 | INSURANCE 4022. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 17 | LICENSES AND PERMITS 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 18 | MEETING EXPENSE 472. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 19 | MISC 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 20 | OFFICE SUPPLIES 75. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 21 | POSTAGE 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 22 | RENOVATIONS 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 23 | REFUNDS 50. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 24 | TAX CHARGES 730. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 25 | CLUB SUPPLIES 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 26 | Depreciation 1809. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 27 | CLUB SHARES 2500. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990EZ, Part I, Line 8 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990EZ, Part I, Line 8 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990EZ, Part I, Line 8 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990EZ, Part I, Line 8 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990EZ, Part I, Line 8 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 12 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 13 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 14 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 15 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 16 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 17 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 18 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 19 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 20 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 21 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 22 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 23 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 24 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 25 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 26 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 27 | Form 990EZ, Part I, Line 16 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | MAUREEN ST GEORGE |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4133304973 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2026-03-16 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | WESTERN MASS YACHT CLUB |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | WEST |
| ReturnHeader/Filer/EIN | 0 | 042808382 |
| ReturnHeader/Filer/PhoneNum | 0 | 4133304973 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 61 SPRING ST PO BOX 566 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | WEST WARREN |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 01092 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 201928050 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | PIONEER FINANCIAL INC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 351 Newton St |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | South Hadley |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 01075 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 4135328392 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2026-03-16 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Edward G Wall |
| ReturnHeader/ReturnTs | 0 | 2026-03-16T02:02:52-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2025-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-12-31 |
| ReturnHeader/TaxYr | 0 | 2025 |
Document Assets
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