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Young Men's Christian Association Retirement Fund
Also known as YMCA Retirement Fund
Young Men's Christian Association Retirement Fund reported $649.3 million in revenue and $663.1 million in expenses for the fiscal year ending June 30, 2025. Of every $100 it spent, $96.94 went to program services, $3.06 to management and general costs and $0.00 to fundraising. Its largest source of revenue was investment income: 72.8% of the total. The highest compensation it reported for one person was $2,445,462 (PRESIDENT AND CHIEF EXECUTIVE OFFICER). 79 people received more than $100,000 in reportable compensation. Revenue rose 73% between FY2020 and FY2025. Source: Form 990, FY2025.
Where $100 of spending went
The fiscal year ending June 30, 2025 · Form 990, Part IX, line 25 · total expenses $663MFor context, the median across 41 covered mutual & membership benefit charities: $96.16 programs, $3.84 management, $0.00 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
The fiscal year ending June 30, 2025 · Form 990, Part VIII · total revenue $649MThe 990 scorecard · same measures for every charity, no grades
| Measure | FY2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 96.9% | 95.7% |
| Management & general Part IX 25(C) ÷ 25(A) | 3.1% | 3.8% |
| Fundraising Part IX 25(D) ÷ 25(A) | 0.0% | 0.0% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.00 | — |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 0.0% | 0.0% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 0.0% | 0.0% |
| Program service revenue share Part VIII 2g ÷ 12 | 27.1% | 79.8% |
| Highest reported compensation Part VII-A, columns D–F | $2,445,462 | $654,166 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 0.37% | 1.64% |
| People paid over $100,000 Part VII, line 2 | 79 | 0 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 19.3 | 22.6 |
| Independent voting board members Part VI 1a–1b | 13 of 16 | 92.3% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
FY2025 · Form 990, Part III · the three largest programs by expenseThe YMCA Retirement Fund provided monthly annuity payments to approximately 17,421 retired YMCA employees with an average annual annuity of approximately $20,882. During the fiscal year ended june 30, 2025, the YMCA Retirement Fund provided benefits (including death and disability benefits) in excess of $591,157,000. The following bundled benefits are provided to all participating YMCA's: retirement plan: a defined contribution money purchase church pension plan that is intended to satisfy the qualification requirements of section 401(a) of the internal revenue code (code). Tax-deferred…
Highest reported compensation
FY2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| PRESIDENT AND CHIEF EXECUTIVE OFFICER Officer, 40.0 hrs/week | $2,342,577 | $0 | $102,885 | $2,445,462 |
| CHIEF INVESTMENT OFFICER Officer, 40.0 hrs/week | $1,805,687 | $0 | $103,663 | $1,909,350 |
| DEPUTY CHIEF INVESTMENT OFFICER Highest compensated employee, 40.0 hrs/week | $1,301,040 | $0 | $82,574 | $1,383,614 |
| CHIEF INFORMATION OFFICER Key employee, 40.0 hrs/week | $1,134,617 | $0 | $98,328 | $1,232,945 |
| SENIOR MANAGING DIRECTOR OF RISK Highest compensated employee, 40.0 hrs/week | $993,433 | $0 | $108,580 | $1,102,013 |
| EXECUTIVE VICE PRESIDENT & CHIEF OPERATING OFFICER Officer, 40.0 hrs/week | $810,180 | $0 | $104,530 | $914,710 |
| INVESTMENT DIRECTOR Highest compensated employee, 40.0 hrs/week | $829,319 | $0 | $59,336 | $888,655 |
| CHIEF ADMINISTRATIVE OFFICER Officer, 40.0 hrs/week | $793,152 | $0 | $79,043 | $872,195 |
79 people received more than $100,000 in reportable compensation from Young Men's Christian Association Retirement Fund (Part VII, line 2). Compensation of current officers, directors and key employees totaled $8.2M (Part IX, line 5).
6 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
FY2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b16 · 13 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4Yes
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bYes
- Employees Part I, line 5135
- Volunteers Part I, line 617
Largest outside contractors
FY2025 · Form 990, Part VII, Section B · businesses only| RGM CAPITAL LLC Investment management | $2,524,181 |
| DALTON INVESTMENTS LLC Investment management | $2,133,361 |
| SDC CAPITAL PARTNERS Investment management | $2,018,826 |
| GOLDENTREE CLARENCE ASSET MANAGEMENT Investment management | $2,002,472 |
| ALYESKA INVESTMENT GROUP LP Investment management | $1,914,581 |
Individuals listed as contractors are left out. 57 contractors were paid more than $100,000 in all.
Private foundation grants it received
1 private foundation reported grants to Young Men's Christian Association Retirement Fund totaling $17,500 on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from Young Men's Christian Association Retirement Fund's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Young Men's Christian Association Retirement Fund, you can publish a response that is linked from this page.
Share or embed this breakdown
Of every $100 Young Men's Christian Association Retirement Fund spent in FY2025, $96.94 went to programs. The full breakdown, from its IRS Form 990:
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All mutual & membership benefit charities · Largest charities in New York
Questions people ask
How much of Young Men's Christian Association Retirement Fund's spending goes to programs?
In the fiscal year ending June 30, 2025, Young Men's Christian Association Retirement Fund reported that 96.9% of its $663.1 million in expenses went to program services, 3.1% to management and general and 0.0% to fundraising (Form 990, Part IX).
How much does Young Men's Christian Association Retirement Fund pay its top executive?
The largest total compensation Young Men's Christian Association Retirement Fund reported for one person in the fiscal year ending June 30, 2025 was $2,445,462, for the role of PRESIDENT AND CHIEF EXECUTIVE OFFICER (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Young Men's Christian Association Retirement Fund get its money?
Of $649.3 million in revenue in the fiscal year ending June 30, 2025, 0.0% came from contributions and grants and 27.1% from program service revenue (Form 990, Part VIII).
Is Young Men's Christian Association Retirement Fund a registered charity?
The IRS lists EIN 13-5562401 as a 501(c)(3) organization (supporting organization (509(a)(3))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- FY2025: Form 990 for the fiscal year ending June 30, 2025, object 202513179349310251 · read the filing · XML
- FY2024: Form 990 for the fiscal year ending June 30, 2024, object 202403189349304075 · read the filing
- FY2023: Form 990 for the fiscal year ending June 30, 2023, object 202303189349310585 · read the filing
- FY2022: Form 990 for the fiscal year ending June 30, 2022, object 202243189349318819 · read the filing
- FY2021: Form 990 for the fiscal year ending June 30, 2021, object 202143189349300934 · read the filing
- FY2020: Form 990 for the fiscal year ending June 30, 2020, object 202023159349305157 · read the filing
All filings for EIN 13-5562401: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.