2026-06-14T16:32:49+00:00 2025-12-31 990 2025-01-01 141427442 Saratoga Regional YMCA SARA 5185839622 290 West Avenue Saratoga Springs NY 12866 John Pecora EVP/CFO 5185839622 2026-06-14 2025 2025-03-06 01:10:19Z Allison D'Antonio 290 West Avenue Saratoga Springs NY 12866 28860041 false X www.srymca.org X 1899 NY The Saratoga Regional YMCA is a charitable association that is dedicated to building a healthy spirit, mind and body for all. 20 12 1209 250 0 2911517 2602076 16750795 22254516 333334 1648163 399634 316957 20395280 26821712 1261457 1856859 0 12331831 14530695 0 391080 5301331 7009643 18894619 23397197 1500661 3424515 56980632 59702767 9379404 8723209 47601228 50979558 The Saratoga Regional YMCA is a charitable association that is dedicated to building a healthy spirit, mind and body for all. false false 10066070 11207903 YOUTH DEVELOPMENT. THE YMCA IS A LEADER IN NURTURING THE POTENTIAL OF EVERY CHILD AND TEEN. EVERY DAY, THE SARATOGA REGIONAL YMCA HELPS YOUNG PEOPLE DEEPEN POSITIVE VALUES, THEIR COMMITMENT TO SERVICE, AND THEIR MOTIVATION TO LEARN. OUR YMCA PROGRAMS SUCH AS BEFORE AND AFTER SCHOOL ENRICHMENT, KIDZCARE, FULL DAY CHILDCARE, PRESCHOOL, COMPETITIVE GYMNASTICS, COMPETITIVE SWIMMING, YOUTH FITNESS, MICRO SOCCER, YOUTH TENNIS, YOUTH SWIM LESSONS, YOUTH GYMNASTICS CLASSES, AND SUMMER DAY CAMPS OFFER A RANGE OF EXPERIENCES THAT ENRICH COGNITIVE, SOCIAL, PHYSICAL AND EMOTIONAL GROWTH. EXPENSES INCLUDE SUBSIDIES AND DIRECT FINANCIAL ASSISTANCE THAT ENABLE ALL YOUTH TO PARTICIPATE WITHOUT REGARD TO THEIR ABILITY TO PAY. 9156792 6580465 HEALTHY LIVING. THE SARATOGA REGIONAL YMCA FOCUSES ON HEALTHY LIVING BY ADVOCATING HEALTH AND WELL-BEING FROM THE INSIDE OUT - THE SPIRIT, THE MIND, THE BODY. THE SRYMCA PROVIDED PEOPLE WITH THE SUPPORTIVE RELATIONSHIPS AND ENVIRONMENTS THEY NEED FOR THEIR SUCCESSFUL PURSUIT OF HEALTH AND WELL-BEING. THIS IS PARTICULARLY IMPORTANT AS OUR NATION STRUGGLES WITH AN OBESITY CRISIS, FAMILIES STRUGGLE WITH WORK/LIFE BALANCE AND INDIVIDUALS SEARCH FOR PERSONAL FULFILLMENT. WE BRING FAMILIES TOGETHER AND OFFER SPORT, RECREATIONAL AND SOCIAL NETWORKS THAT BUILD RELATIONSHIPS AND STRENGTHEN BONDS. OUR PROGRAMS ARE ACCESSIBLE, AFFORDABLE AND OPEN TO ALL FAITHS, BACKGROUNDS, ABILITIES AND INCOME LEVELS. NEED BASED FINANCIAL ASSISTANCE AND SRYMCA COMMUNITY BENEFIT SUPPORT ALLOW PEOPLE TO OVERCOME BARRIERS TO PARTICIPATION. SRY HEALTHY LIVING PROGRAMS INCLUDE FAMILY NIGHTS, GROUP FITNESS CLASSES, CPR AND FIRST AID CLASSES, LIFEGUARD TRAINING, OBESITY PROGRAMS, PRE-NATAL PROGRAMS, PERSONAL FITNESS TRAINING, ADULT LEARN TO SWIM PROGRAMS, AND BASKETBALL AND TENNIS LEAGUES. THE EMPHASIS OF HEALTH OF SPIRIT, MIND AND BODY IS EMBODIED IN THE HEALTH AND WELLNESS PROGRAMS OF THE Y. SRY PROGRAMS STRESS PROPER EXERCISE, NUTRITION, STRESS MANAGEMENT AND AVOIDANCE OF ABUSIVE SUBSTANCES AND BEHAVIORS. THE PROGRAMS ARE DESIGNED TO SERVE PEOPLE OF ALL AGES, WITH SPECIFIC PROGRAMS FOR CHILDREN THROUGH SENIORS. Y WELLNESS AREAS ARE STAFFED WITH KNOWLEDGEABLE AND TRAINED INDIVIDUALS WHO CAN ANSWER QUESTIONS AND OFFER SUPPORT TO MEMBERS WHO ARE LOOKING FOR A PROGRAM TAILORED TO THEIR NEEDS. OBESITY RATES IN THE UNITED STATES HAVE INCREASED DRASTICALLY AND THE CENTER FOR DISEASE CONTROL AND PREVENTION HAS RECOGNIZED OBESITY TO BE COMMON, SERIOUS AND COSTLY. THEY ESTIMATE THAT MORE THAN ONE THIRD OF US ADULTS (34.9% OR 78.6 MILLION) ARE OBESE, AND THAT OBESITY RELATED CONDITIONS INCLUDE HEART DISEASE, STROKE, TYPE 2 DIABETES AND CERTAIN CANCERS - ALL OF WHICH ARE SOME OF THE LEADING CAUSES OF PREVENTABLE DEATH. A CDC STUDY PRODUCED STATISTICS SHOWING THAT THE ESTIMATED ANNUAL MEDICAL COST OF OBESITY IN THE US WAS $147 BILLION AND THAT THE MEDICAL COSTS FOR PEOPLE WHO ARE OBESE WERE $1,429 HIGHER THAN THOSE OF NORMAL WEIGHT. THE NEW ENGLAND JOURNAL OF MEDICINE HAS NOTED THAT THE CURRENT GENERATION OF AMERICANS COULD BE THE FIRST TO LEAD SHORTER LIVES THAN THEIR PARENTS. THE YMCA IS UNIQUELY POSITIONED TO HELP COMBAT THE OBESITY CRISIS IN AMERICA, AND WE DESIGN OUR PHYSICAL PROGRAMS TO INTRODUCE PEOPLE TO HEALTHIER LIFESTYLES BY INCORPORATING BETTER EATING HABITS THROUGH OUR NUTRITION CLASSES, ASSISTING IN DEVELOPING ATTAINABLE GOALS BY INTERACTIONS WITH OUR FLOOR STAFF, UTILIZING FITNESS ASSESSMENT PROGRAMS, AND INCORPORATING GROUP AND INDIVIDUAL EXERCISE PROGRAMS. THE SARATOGA REGIONAL YMCA IS TARGETING THIS GROWING CRISIS AND DESIGNS PROGRAMS TO SHIFT HOW WE FOCUS OUR WORK INSIDE AND OUTSIDE OF THE YMCA TO ENGAGE HEALTH SEEKERS - CHILDREN, YOUTH, TEENS, ADULTS, SENIORS AND FAMILIES WHOSE SUCCESSFUL PURSUIT OF HEALTH AND WELL-BEING REQUIRES CONTINUOUSLY SUPPORTIVE RELATIONSHIPS AND ENVIRONMENTS. INSIDE THE Y WE CAN INFLUENCE AND MOTIVATE HEALTH SEEKERS TO MAKE POSITIVE CHANGES IN THE PURSUIT OF WELL-BEING AND OUTSIDE THE Y WE CAN HELP CREATE AND SUSTAIN HEALTHIER COMMUNITIES. RECENTLY, THE Y HAS BEECOME DEEPLY COMMITTED TO EXPANDING EVIDENCE BASED PROGRAMMING HELPING PEOPLE STRICKEN WITH DIABETES, HIGH BLOOD PRESSURE, PARKINSONS, AND CANCER. 2012528 4529756 SOCIAL RESPONSIBILITY. OUR YMCA PROVIDES A VARIETY OF PROGRAMS TO DEVELOP PERSONAL EDUCATIONAL/VOCATIONAL/LEADERSHIP SKILLS, AND WE PARTNER WITH OTHER COMMUNITY ORGANIZATIONS TO IDENTIFY AND RESPOND TO COMMUNITY NEEDS. OUR YMCA PARTNERS WITH THE US NAVY MAKING ACCESS TO Y FACILITIES AND PROGRAMS AFFORDABLE TO ENLISTED PERSONNEL AND THEIR FAMILIES. WE ALSO SUPPORT THE YMCA MOVEMENT INTERNATIONALLY PARTICIPATING IN THE YMCA OF THE USA WORLD SERVICE CAMPAIGN AND ARE INVOLVED IN SUPPORTING YMCA'S IN NEED THROUGHOUT THE WORLD. WE PROMOTE VOLUNTEERISM AND GIVING THROUGH OUR ANNUAL SUPPORT CAMPAIGN, THE PROCEEDS OF WHICH ARE USED TO PROVIDE NEED BASED FINANCIAL ASSISTANCE FOR Y PROGRAMS AND MEMBERSHIPS TO INDIVIDUALS AND FAMILIES. WE SUPPORT MANY LOCAL ORGANIZATIONS BY DONATING YMCA MEMBERSHIPS FOR THEM TO USE TO RAISE MONEY IN THEIR SILENT AUCTIONS. THESE ARE ALL COMMUNITY BUILDING EFFORTS THAT LAY THE FOUNDATION FOR FUTURE GENERATIONS TO THRIVE. AT THE SARATOGA REGIONAL YMCA, MANY PROGRAMS ARE OFFERED THROUGHOUT THE YEAR TO HELP BUILD STRONG COMMUNITIES IN OUR SERVICE AREA. HEALTHY KIDS DAY IS HELD ANNUALLY PROVIDING MANY ACTIVITIES THAT OFFER HEALTH RELATED INFORMATION TO CHILDREN AND FAMILIES. OTHER COMMUNITY DAYS, BLOOD DRIVES, HEALTH SCREENINGS, HEALTH FAIRS AND MEMBER APPRECIATION DAYS ARE HELD THROUGHOUT THE YEAR TO HELP BUILD A SENSE OF COMMUNITY AMONG MEMBERS. THE SARATOGA REGIONAL YMCA PARTICIPATES IN MANY COMMUNITY COLLABORATIONS INCLUDING A MEMBERSHIP CONTRACT WITH THE UNITED STATES NAVY, A SHARED FACILITY WITH SARATOGA HOSPITAL, A PARTNERSHIP WITH FRANKLIN COMMUNITY CENTER, AND SPACE SHARING AGREEMENTS WITH THE SARATOGA SPRINGS CITY SCHOOL DISTRICT, THE CORINTH CENTRAL SCHOOL DISTRICT, AND SKIDMORE COLLEGE. THE Y'S SARATOGA BRANCH INCLUDES BUILDING SPACE FOR THE SARATOGA SPRINGS SENIOR CENTER HELPING THE Y TO BECOME MORE OF AN INTERGENERATIONAL CENTER AND COMBATTING THE ISSUE OF SOCIAL ISOLATION THAT CONFRONTS MANY OLDER ADULTS. 21235390 true true false false false false false false false true true false false true true false true false false false false false false false true false false false true true false false false false false false false false false true true false false false false false false false false false true 40 0 true 1209 false false false false false true true false false false false false false X 20 12 true false false false false false false true true false true true true true true true true true true true false false NY X X John Pecora 5185839622 290 WEST AVENUE SARATOGA SPRINGS NY 12866 AIMEE DAKE DIRECTOR 2.0 X 0 0 0 ALLISON MEYERS DIRECTOR 2.0 X 0 0 0 ANNA LALOE DIRECTOR 2.0 X 0 0 0 BARBARA REYES-CONNER DIRECTOR 4.0 X 0 0 0 BRANDON HIMOFF DIRECTOR 2.0 X 0 0 0 BRIAN CORCORAN TREASURER 5.0 X 0 0 0 DAN COHEN DIRECTOR 2.0 X 0 0 0 DAVE CARROLL DIRECTOR 2.0 X 0 0 0 DYLAN CHAPPELL DIRECTOR 2.0 X 0 0 0 ERIK GEIZER VICE CHAIR 2.0 X 0 0 0 JESSICA CATALFAMO DIRECTOR 2.0 X 0 0 0 JILL VANKUREN DIRECTOR 2.0 X 0 0 0 JOHN HENRY DIRECTOR 2.0 X 0 0 0 MARK STRATTON DIRECTOR 4.0 X 0 0 0 MIKE MUNTER DIRECTOR 2.0 X 0 0 0 NATALIE WAIT SECRETARY 2.0 X 0 0 0 PAUL WERSTEN DIRECTOR 2.0 X 0 0 0 RENEE RODRIGUEZ-GOODEMOTE DIRECTOR 2.0 X 0 0 0 SCOTT PETERSON CHAIR 4.0 X 0 0 0 TIMOTHY HILKER DIRECTOR 2.0 X 0 0 0 JOHN PECORA EXECUTIVE VICE PRESIDENT/CFO 50.0 X X 208719 0 41475 ALLISON D'ANTONIO CEO 50.0 X 176718 0 31785 Michael Miakisz COO 50.0 X 115854 0 13902 SCOTT CLARK FORMER CEO 50.0 X 174178 0 28854 675469 0 116016 false true false 0 0 0 41502 0 1093500 1467074 85600 2602076 Membership Revenue 13528047 13528047 Childcare Revenue -- Infant/Toddler/Preschool 1907747 1907747 Childcare Revenue -- School Age 1807525 1807525 Day Camp Revenue 902387 902387 Resident Camp Revenue 0 0 4108810 4108810 0 0 22254516 691855 0 0 691855 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2906032 0 1949724 0 956308 0 956308 0 0 956308 235180 41502 85503 149677 0 149677 0 0 0 0 0 0 29479 3102 26377 0 0 26377 Return Fee Revenue 75262 75262 0 0 Miscellaneous Management agreement/Shared Services 65641 65641 0 0 0 0 0 0 140903 26821712 22395419 0 1824217 1856859 1856859 0 0 675472 224593 341172 109707 11209783 10390175 724715 94893 708214 632508 63514 12192 844645 748736 81245 14664 1092581 981556 92272 18753 244424 231802 12045 577 15750 14937 776 37 459065 435358 22623 1084 83097 60873 0 22224 1569490 1476859 88245 4386 76707 65081 9631 1995 88566 60417 8511 19638 2709 2601 108 0 306264 257700 48564 0 1647541 1553763 89465 4313 247793 214732 33061 0 COMMUNICATIONS 25660 24098 1481 81 ORGANIZATIONAL DUES 44225 37212 7013 0 EQUIPMENT 240302 235765 4299 238 BAD DEBTS 247870 214565 33305 0 1710180 1515198 108684 86298 23397197 21235388 1770729 391080 1600 1600 7158729 8584197 1161940 1295868 329588 264519 0 0 0 0 28269 21858 89584 23764 48973156 20378249 29785065 28594907 12184480 14742212 0 0 6241377 6173842 56980632 59702767 277702 431707 0 824365 723114 0 0 43418 21150 0 0 804733 0 0 0 7429186 7547238 9379404 8723209 46468889 49036249 1132339 1943309 47601228 50979558 56980632 59702767 3424515 -46185 0 X false true true false X 477871 5699791 3911054 1116616 2602076 13807408 9948154 12233782 14492170 16750796 22318124 75743026 1132362 1132362 0 0 0 0 10426025 17933573 18403224 17867412 26052562 90682796 57500 3237500 55000 650000 27750 4027750 0 0 0 0 0 0 57500 3237500 55000 650000 27750 4027750 86655046 201748 197478 426149 541786 691855 2059016 0 0 201748 197478 426149 541786 691855 2059016 0 0 142157 204065 296139 191181 1273264 2106806 10769930 18335116 19125512 18600379 28017681 94848618 0.91361 0.91129 0.02 0.02 X Schedule A, Part III, Line 12 Other Income DESCRIPTION - INCOME FROM FUNDRAISING EVENTS, COLUMN A - 45600.0, COLUMN B - 46596.0, COLUMN C - 79847.0, COLUMN D - 152462.0, COLUMN E - 149677.0, COLUMN F - 474182.0; DESCRIPTION - INCOME FROM SALES OF INVENTORY, COLUMN A - 1994.0, COLUMN B - 14082.0, COLUMN C - 10088.0, COLUMN D - 16564.0, COLUMN E - 26376.0, COLUMN F - 69104.0; DESCRIPTION - INSURANCE RECOVERY, COLUMN A - 0.0, COLUMN B - 0.0, COLUMN C - 8098.0, COLUMN D - 0.0, COLUMN E - 0.0, COLUMN F - 8098.0; DESCRIPTION - GAIN FROM SALE OF SECURITIES, COLUMN A - 94563.0, COLUMN B - 15483.0, COLUMN C - 7015.0, COLUMN D - -208452.0, COLUMN E - 956308.0, COLUMN F - 864917.0; DESCRIPTION - RETURN FEE REVENUE, COLUMN A - 0.0, COLUMN B - 36944.0, COLUMN C - 29777.0, COLUMN D - 25780.0, COLUMN E - 75262.0, COLUMN F - 167763.0; DESCRIPTION - MANAGEMENT SERVICE REVENUE, COLUMN A - 0.0, COLUMN B - 90960.0, COLUMN C - 161314.0, COLUMN D - 204827.0, COLUMN E - 65641.0, COLUMN F - 522742.0; RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 1859295 299840 120991 0 15004 2265122 1751433 50287 71685 0 14110 1859295 2216994 0 47139 0 500000 12700 1751433 1649347 504983 76017 0 0 13353 2216994 1514310 0 148801 0 13764 1649347 0.9713 0.0287 0.0 false false 4884043 3326019 34456281 12404602 22051679 4206380 1990852 2215528 5426452 4424771 1001681 28594907 Right of use asset 6173842 6173842 Federal Income Taxes Accrued Payroll 935213 Lease Liability - current portion 17919 Lease Liability - long term 6594106 7547238 26714369 -46184 -61159 -107343 26821712 0 0 26821712 23396750 0 0 23396750 447 447 23397197 Schedule D, Part V, Line 4 Intended uses of endowment funds The Saratoga Regional YMCA endowment fund purpose is to ensure the long-term financial stability of the organization. The investment policy for the endowment funds was adopted by the SRY's board of directors and it is reviewed annual by the finance committee. The goal is to maximize the long-term return of the fund without exposing the portfolio to excessive risk. The objective of the organization is to have the fund principal grow through new charitable contributions and through achieving investment goals. A small percentage of the fund's income - not to exceed 5% annually - may be drawn to utilize in the organization's operations for special projects that are key to fulfilling the YMCA mission. These projects may include but are not limited to: Developing new initiatives that enhance the YMCA's ability to provide programs and services to the community, seizing opportunities to strengthen the YMCA's position, enabling it to further enhance the lives of those within its service area, and ensuring the continuity of the organization. Schedule D, Part XI, Line 2(d) Other revenues in audited financial statements not in form 990 Change in present value of pledges receivable entry - -60712 Interest expense reported net of income - -447 Schedule D, Part XII, Line 4(b) Other expenses in form 990 not in audited financial statements Interest expense reported net of income - 447 Golf outings 217707 41502 176205 85503 Livestrong 45000 20000 25000 7500 1 41475 41475 304182 61502 242680 93003 93003 149677 true Support for other community organizations 17 8172 Need based scholarships 1250 1735694 FMV OF DISCOUNT PROVIDED DISCOUNTED MEMBERSHIP AND PROGRAM FEES Navy community benefit 1000 95993 FMV DISCOUNTED MEMBERSHIP AND PROGRAM FEES LIVESTRONG 100 17001 FMV DISCOUNTED MEMBERSHIP FOR PROGRAM PARTICIPANTS AND SUPPORT TEAM Schedule I, Part III, Column (b) Estimated Number Of Recipients Need based scholarships : 5% OF OUR MEMBERSHIP Schedule I, Part III, Column (b) Estimated Number Of Recipients Navy community benefit : AVERAGE NUMBER OF UNITS UNDER THE CONTRACT Schedule I, Part III, Column (b) Estimated Number Of Recipients LIVESTRONG : APPROXIMATE PARTICIPANTS IN THE ANNUAL PROGRAM Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds The Saratoga Regional YMCA is committed to making sure no one is denied access to membership, services and/or programming due to their inability to pay. All assistance is available based on demonstrated need without regard to race, color, religion, gender, national origin, age, or physical or mental handicap. Scholarships are awarded on a sliding fee scale and can be applied to a portion of the cost of a membership or program. Scholarship determinations are based upon household gross income and household size as they relate to the published federal poverty level. Extenuating circumstances may be considered. Anyone living or working within the SRY service area with annual household income plus cash reflected on current bank statements adding to less than 300% of the Federal Poverty Level as defined by the US Department of Health and Human Services is eligible. Homeless individuals are automatically eligible for scholarships. Scholarships are provided in the form of a percentage discount off of the fee for a membership or program. The percentage discount provided is based on a sliding scale adopted by the board of directors. Applicants may be asked to pay a portion of fees based on where they fall on the scale. X true X X X X X false false false false false false false false false JOHN PECORA EXECUTIVE VICE PRESIDENT/CFO 188738 0 19981 0 0 0 25046 0 16429 0 250194 0 0 0 SCOTT CLARK FORMER CEO 139178 0 35000 0 0 0 20901 0 7953 0 203032 0 0 0 ALLISON D'ANTONIO CEO 171267 0 5451 0 0 0 21206 0 10579 0 208503 0 0 0 Schedule J, Part I, Line 1a Health or social club dues or initiation fees An employee benefit of working for the Saratoga Regional YMCA includes providing a family membership to the Y for all full time employees. DYLAN CHAPELL Director of the YMCA Dylan is employed by Stewart's Shops Corp. As a benefit to their employees, Stewart's offers to pay a portion of YMCA membership and program costs. false Mark Stratton Director of the YMCA The YMCA operates a before and after school program at the Corinth School District where Mark is the Superintendent. Facilities are provided for the YMCA to provide the program at the school. An MOU with the school provides the facilities rent free to the SRY. false Natalie Wait Director of the YMCA Natalie is retired from The Adirondack Trust Company where her spouse is the President and CEO. The Y has an open operating line of credit with the bank on which there were not any draws. At the end of the year, the SRY had $17,996,505 on deposit at the bank. The bank is the broker on the SRY health insurance , and a contributor to the YMCA. false Renee Rodriguez-Goodemote Director of the YMCA Renee is an employee of Saratoga Hospital. As an employment benefit, Saratoga Hospital offers to pay a portion of a Y membership. In addition, Saratoga Hospital and the SRYMCA jointly own a facility on hospital land, and the SRY entered into a 99 year ground lease with the hospital for its share of the facility in 2018. false Aimee Dake Director Aimee is married to Gary Dake, President of Stewart's Shops. Stewart's Shops pays a portion of its employees Y membership and program fees as an employee benefit, and is a Y donor. false Jill VanKuren Director Jill is the President and CEO of Saratoga Hospital. As an employment benefit, Saratoga Hospital offers to pay a portion of a Y membership. In addition, Saratoga Hospital and the SRYMCA jointly own a facility on hospital land, and the SRY entered into a 99 year ground lease with the hospital for its share of the facility in 2018. false Mike Munter Director Mike is part owner of Munter Enterprises, which performs construction work from time to time for the SRY . Projects that Munter Enterprises work on are opend to bid with other contractors prior to being awarded, and Mike recuses himself from Board and Committee discussion on these projects. false Paul Wersten Director Paul is an officer at Arrow Bank. Arrow is a donor. The Y had $3,471,084 on deposit with Arrow at the end of 2025. false 1 85600 Market value 0 false true false Schedule M, Part I Explanations of reporting method for number of contributions Real estate - Other - space trades with school districts that are under an mou. No cash is exchanged, valued at rental value Form 990, Part VI, Line 1a Delegate broad authority to a committee THE EXECUTIVE COMMITTEE OF THE BOARD IS COMPRISED OF THE OFFICERS AND ONE BOARD MEMBER AT LARGE. THE COMMITTEE IS ALLOWED TO ACT ON BEHALF OF THE BOARD IN CASES WHERE A BOARD MEETING CANNOT BE CALLED IN TIME TO ACT ON URGENT MATTERS. Form 990, Part VI, Line 2 Family/business relationships amongst interested persons NATALIE WAIT, DIRECTOR IS THE SPOUSE OF CHARLES V. WAIT JR, PRESIDENT AND CHAIR OF THE ADIRONDACK TRUST COMPANY - Business relationship, DYLAN CHAPPELL, DIRECTOR IS EMPLOYED BY STEWART'S SHOPS. AIMEE DAKE, DIRECTOR, IS THE SPOUSE OF GARY C. DAKE THE PRESIDENT OF STEWART'S SHOPS - Business relationship, RENEE RODRIGUEZ-GOODEMOTE, DIRECTOR IS EMPLOYED BY SARATOGA HOSPITAL. JILL VANKUREN, DIRECTOR IS THE PRESIDENT AND CEO OF SARATOGA HOSPITAL - Business relationship, MIKE MUNTER IS PRESIDENT OF MUNTER ENTERPRISES AND THE Y SELECTED MUNTER ENTERPRISES TO BE THE CONTRACTOR ON TWO BRANCH IMPROVEMENT PROJECTS - Business relationship, PAUL WERSTEN IS AN OFFICER AT ARROW BANK AND THE Y HOLDS CASH AND INVESTMENTS AT ARROW - Business relationship, MARK STRATTON IS SUPERINTENDENT OF CORINTH SCHOOL DISTRICT AND PROVIDES FREE SPACE TO THE Y TO RUN AN AFTERSCHOOL CHILDCARE PROGRAM IN THE ELEMENTARY SCHOOL - Business relationship Form 990, Part VI, Line 11b Review of form 990 by governing body IN JUNE EACH YEAR, THE FORM IS REVIEWED AT AN AUDIT COMMITTEE MEETING ATTENDED BY THE INDEPENDENT AUDITOR. SUBSEQUENT TO THAT MEETING, THE FORM IS PROVIDED ELECTRONICALLY TO ALL MEMBERS OF THE BOARD OF DIRECTORS AND UPLOADED TO THE BOARD OF DIRECTORS PORTAL. Form 990, Part VI, Line 12c Conflict of interest policy ENFORCEMENT OF CONFLICTS POLICY: FOLLOWING THE ANNUAL MEETING EACH YEAR, NEW CONFLICT OF INTEREST DISCLOSURE QUESTIONAIRES ARE DISTRIBUTED TO ALL BOARD MEMBERS ELECTRONICALLY. ONCE COMPLETED, REPSONSES ARE REVIEWED BY THE CFO AND A SUMMARY OF ANY DISCLOSURES IS BROUGHT TO THE AUDIT COMMITTEE. ANYONE WHO HAS A CONFLICT OF INTEREST IS NOT ALLOWED TO VOTE ON ANY MATTERS THAT INVOLVE THE RELATED CONFLICT, AND ANY BUSINESS WITH A REPORTED CONFLICT IS APPROVED BY THE AUDIT COMMITTEE PRIOR TO ENGAGEMENT. Form 990, Part VI, Line 15a Process to establish compensation of top management official THE CEO HAS WRITTEN GOALS THAT ARE APPROVED BY THE BOARD OF DIRECTORS, AND AT THE END OF EACH YEAR THE BOARD REVIEWS THE CEO'S PERFORMANCE AND PROGRESS ON THE GOALS. A WRITTEN EXECUTIVE COMPENSATION PLAN IS IN PLACE. A SALARY ADMINISTRATION PLAN IS ALSO IN PLACE WITH RANGES FOR ALL POSITIONS INCLUDING THE CEO AND THE RANGES WERE BASED ON EXTERNAL DATA FOR SIMILAR POSITIONS. THIS LAST OCCURRED IN JANUARY 2026. Form 990, Part VI, Line 15b Process to establish compensation of other employees THE CFO COMPLETES ANNUAL GOALS AND OBJECTIVES AT THE BEGINNING OF THE YEAR. TOWARD THE END OF THE YEAR, HE UPDATES THE DOCUMENT TO INCLUDE THE RESULTS ON EACH GOAL. A SALARY ADMINISTRATION PLAN IS IN PLACE THAT GIVES RANGES FOR EACH POSITION BASED ON A FORMAL SALARY STUDY FOR SIMILAR POSITIONS. THE CEO ASSIGNS RAISES TO ALL POSITIONS, INCLUDING OTHER OFFICERS, BASED ON PERFORMANCE, ENSURING IT IS WITHIN THE APPROVED SALARY STUDY. THIS OCCURS ANNUALLY AND LAST HAPPENED IN JANUARY 2026. Form 990, Part VI, Line 19 Required documents available to the public THE 990 IS OPEN TO PUBLIC INSPECTION ON GUIDESTAR AND IS ALSO PROVIDED UPON REQUEST. Form 990, Part VIII, Line 2f Other Program Service Revenue Other Program Revenue - Total Revenue: 4108810, Related or Exempt Function Revenue: 4108810, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ; Residence Revenue - Total Revenue: 0, Related or Exempt Function Revenue: 0, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ;