Silver Bay Association for Christian Conference and Training
Public records show a registered, tax-exempt organization in good standing.
What it says it does
Silver Bay Association for Christian Conference and Training's (doing business as Silver Bay YMCA) mission is to foster relationships, strengthen communities, and nurture spirit, mind and body for all. IMPACT: Because of Silver Bay YMCA, personal and family bonds are stronger. People are more connected, respectful, and caring. they have the confidence to develop to their full potential; and to positively impact the communities in which they work and live. As a result, communities are more dynamic, inclusive and diverse. As stewards of Lake George, we inspire people to be stewards of the environment while they are visiting our magnificent campus and in their home communities.
- Income
- $10.6 million
- Spending
- $11.8 million
- Spent on programs
- 85%
- Reserves
- 9.7 months of spending
- Largest source of income
- fees for its services, 56%
- Employees
- 240
- Volunteers
- 113
- Highest pay
- $300,378, chief executive officer (thru 10/25)
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Good: 77 out of 100. Higher than 70% of charities in its peer group (human services, $10m to $100m).
Reserves
28 of 35Spendable reserves would cover 9.7 months of spending.
Debt
20 of 20It owes 7% of what it owns.
Living within its means
4 of 15Spending exceeded income by 12% of income.
Income trend
10 of 15Income fell 7% on the year before.
Spending floor
15 of 1585% of spending went to programs and raising each dollar of donations cost 7 cents.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 35% of charities in its peer group (human services, $10m to $100m).
Independent board
25 of 2519 of 20 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (1)
- $10.1 million spent. (Continued from above) -THE SILVER BAY YMCA TEEN CENTER IS A SAFE AND WHOLESOME PLACE FOR YOUTH, WHERE STUDENTS INTERACT WITH THEIR PEERS ON A LEVEL PLAYING FIELD, CARING ADULTS PROVIDE A SAFETY NET OF SUPPORTIVE SERVICES, FUN, FELLOWSHIP, SELF-DISCOVERY FLOURISH. STUDENTS HAVE ACCESS TO A VARIETY OF RECRETIONAL ACTIVITIES: FROM OPEN GYM TO ARTS AND CRAFTS, HOMEWORK HELP, AND THE YMCA LEADERS CLUB PROGRAM. THIS PROGRAM IS AVAILABLE TO ANY TEEN IN THE NORTH COUNTRY IN GRADES 6 THROUGH 12 AT NO COST. THE TEEN CENTER IS ALSO MADE AVAILABLE TO OTHER COMMUNITY GROUPS AT NO COST FOR ACTIVITIES THAT INCLUDE: SENIOR CITIZEN RECREATIONAL ACTIVITIES AND COMMUNITY YOUTH TEAM SPORT TRAINING AND PRACTICE. APPROXIMATELY 104 YOUTH PARTICIPATED IN THE PROGRAM. -YOUTH AND GOVERNMENT IS A PROGRAM THAT DEVELOPS LEADERSHIP ABILITIES AND POLITICAL AWARENESS ABILITIES IN HIGH SCHOOL STUDENTS AND HELPS THEM BECOME GOOD CITIZENS THROUGH LEARNING AND EXPERIENCING OUR DEMOCRATIC LEGISLATIVE PROCESS. ADDITIONALLY, THEY LEARN THE SKILLS OF NEGOTIATING, WRITING AND ORAL DEBATE SKILLS. THIS PROGRAM ALSO GIVES TEENS POSITIVE ROLE MODELS AND HELPS THEM DEVELOP BETTER SELF-ESTEEM, A STRONG WORK ETHIC, GROUP SKILLS, AND AN INTEREST IN CIVIC INVOLVEMENT. APPROXIMATELY 91 YOUTH PARTICIPATED IN THE PROGRAM. -ELEMENTARY THROUGH COLLEGE SCHOOL GROUPS COME TO SILVER BAY FOR TEAM-BUILDING ACTIVITIES THAT HELP YOUTH TO LEARN TO WORK TOGETHER TO ACCOMPLISH GOALS AND BUILD SELF-ESTEEM BY STEPPING OUT OF THEIR COMFORT ZONES AND IDENTIFYING PERSONAL STRENGTHS TO BECOME BETTER LEADERS. APPROXIMATELY 2,201 STUDENTS SERVED. -EDUCATIONAL LECTURES AND LEADERSHIP DEVELOPMENT PROGRAMS ARE PROVIDED TO HELP ADULTS LEARN NEW SKILLS AND BECOME AWARE OF CURRENT ISSUES IN A RAPIDLY CHANGING WORLD. APPROXIMATELY 702 PEOPLE SERVED. -FITNESS CENTER AND HIKING TRAILS ARE PROVIDED YEAR-ROUND TO ENCOURAGE HEALTHY LIFESTYLS FOR ALL AGES. APPROXIMATELY 7,338 PEOPLE SERVED. -LIFETIME ACTIVITIES LIKE CANOEING, ARCHERY, TENNIS, AND EXERCISE CLASSES ARE LEARNED WHICH ENCOURAGE BOTH YOUTH AND ADULTS TO ADOPT HEALTHY LIFESTYLES. APPROXIMATELY 21,329 PEOPLE SERVED. -A NO-COST LENDING LIBRARY FOR PEOPLE OF ALL AGES PROVIDES LEARNING OPPORTUNITIES. APPROXIMATELY 1,280 PEOPLE SERVED. FOR OVER 124 YEARS, SILVER BAY ASSOCIATION FOR CHRISTIAN CONFERENCES AND TRAINING (DOING BUSINESS AS SILVER BAY YMCA) HAS BEEN A LOCATION FOR CHURCHES, SCHOOLS, AND OTHER NON-PROFIT ORGANIZATIONS TO GATHER FOR CONFERENCES AND RETREATS. SILVER BAY NOT ONLY PROVIDES ROOM AND BOARD FOR CONFERENCES, BUT SUPPORTS THEM WITH MANY PROGRAMS AND ACTIVITIES WHICH IMPACT PARTICIPANTS IN THE FOLLOWING WAYS: -DEVELOP WHOLESOME AND SOCIALLY RESPONSIBLE VALUES FOR DAILY LIVING, DEVELOPS MORAL AND ETHICAL BEHAVIOR BASED ON CHRISTIAN PRINCIPLES. AS A YMCA, WE ARE FOR YOUTH DEVELOPMENT, FOR HEALTHY LIVING, AND FOR SOCIAL RESPONSIBILITY. -ON YOUTH DEVELOPMENT: OUR YMCA IS COMMITTED TO NURTURING THE POTENTIAL OF EVERY CHILD AND TEEN. WE BELIEVE THAT ALL YOUTHS DESERVE THE OPPORTUNITY TO DISCOVER WHO THEY ARE AND WHAT THEY CAN ACHIEVE TO THEIR FULLEST POTENTIAL. WE STRIVE TO HELP YOUNG PEOPLE CULTIVATE THE VALUES, SKILLS, AND RELATIONSHIPS THAT LEAD TO POSITIVE BEHAVIORS, BETTER HEALTH, AND EDUCATIONAL ACHIEVEMENT. OUR YMCA PROGRAMS OFFER A RANGE OF EXPERIENCES THAT ENRICH COGNITIVE, SOCIAL, PHYSICAL, AND EMOTIONAL GROWTH. EXPENSES INCLUDE SUBSIDIES AND DIRECT FINANCIAL ASSISTANCE THAT MAKE PARTICIPATION POSSIBLE FOR THE YOUNG PEOPLE WE ENGAGE. -HEALTHY LIVING: THE YMCA IS A LEADING VOICE ON HEALTH AND WELL-BEING. WE CREATE OPPORUNITIES FOR FAMILIES TO COME TOGETHER, TO ENRICH THEIR RELATIONSHIPS, ENCOURAGE GOOD HEALTH, AND DEEPEN THEIR FAITH AND FOSTER CONNECTIONS THROUGH FITNESS, SPORTS, FUN, AND SHARED INTERESTS. AS A RESULT, PEOPLE IN OUR COMMUNITY, LOCALLY AND GLOBALLY, ARE RECEIVING THE SUPPORT, GUIDANCE, AND RESOURCES THEY NEED TO ACHIEVE GREATER HEALTH IN SPIRIT, MIND, AND BODY. THIS IS PARTICULARLY IMPORTANT AS OUR NATION STRUGGLES WITH AN OBESITY CRISIS, FAMILIES STRUGGLE WITH WORK/LIFE BALANCE, CHILDREN STRUGGLE WITH FINDING THEIR OWN IDENTITY IN AN INCREASINGLY COMPLEX WORLD AND INDIVIDUALS SEARCH FOR PERSONAL FULFILLMENT. OUR PROGRAMS ARE ACCESSIBLE, AFFORDABLE, AND OPEN TO ALL FAITHS, BACKGROUNDS, ABILITIES, AND INCOME LEVELS; WE ARE OPEN TO ALL PEOPLE. WE PROVIDED FINANCIAL ASSISTANCE TO PEOPLE WHO OTHERWISE WOULD HAVE FACED ECONOMIC BARRIERS TO PARTICIPATE. -ON SOCIAL RESPONSIBILITY; OUR YMCA BELIEVES IN GIVING BACK AND SUPPORTING OUR NEIGHBORS. WE HAVE BEEN LISTENING AND RESPONDING TO OUR COMMUNITY'S MOST CRITICAL SOCIAL NEEDS FOR MORE THAN 123 YEARS. WE OFFER VARIOUS YMCA PROGRAMS WHICH INCLUDE; AFTER SCHOOL TUTORING, ARTS AND CRAFTS AND PHYSICAL ACTIVITIES AND "SAFE HARBOR" ACTIVITIES (WHILE PARENTS ARE WORKING); VARIOUS SPIRITUAL LIFE ACTIVITIES (NO COST CLERGY RESPITE, MEN'S AND WOMEN'S PRAYER GROUPS, BOOK STUDY, SPIRITUAL MENTORSHIP, GRIEF COUNSELING, CHURCH SERVICES, MARRIAGE CEREMONIES AND FUNERAL SERVICES, BAPTISMS AND OTHER RELIGIOUS/SPIRITUAL SERVICES); NO-COST MILITARY RESPITE FOR VETERANS (AND THEIR FAMILIES) RETURNING FROM OVERSEAS DEPLOYMENT; NO-COST RESPITE FOR PEOPLE UNDERGOING CANCER TREATMENT; NO-COST OR REDUCED RATE VACATIONS MADE POSSIBLE FOR FAMILIES TO EXPERIENCE A VACATION; NO-COST RESPITE FIRST RESPONDERS PROGRAM FOR FIRST RESPONDERS AND THEIR FAMILY; NO-COST RESPITE FOR FOSTER AND ADOPTIVE FAMILY RETREAT PROGRAM. THESE ARE SOME EXAMPLES OF HOW WE DELIVER TRAINING, RESOURCES, AND SUPPORT THAT EMPOWER OUR NEIGHBORS TO AFFECT CHANGE, BRIDGE GAPS, AND OVERCOME OBSTACLES. PROGRAMS: BROOKSIDE TRINITY RESPITE PROGRAM SERVES AS A PASTOR'S RESPITE CENTER OFFERING ROOM, BOARD, AND PERSONAL SPACE FOR STUDY AND PRAYER. SUPPORT SERVICES AND ACTIVITIES ARE ALSO PROVIDED FOR IMMEDIATE FAMILY MEMBERS AT NO COST TO THE INDIVIDUAL. APPROXIMATELY 1,075 PEOPLE SERVED. SPIRITUAL LIFE PROGRAMS PROVIDE A WIDE VARIETY OF SUPPORT SERVICES INCLUDING PASTORAL COUNSELING, CAREER COUNSELING,
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated November 6, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since August 1938.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 2026.
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