ST CLOUD AREA FAMILY YMCA Charity Report

Public IRS 990 nonprofit record

ST CLOUD AREA FAMILY YMCA

EIN 41-0952420 · Young Mens or Womens Associations (P27)

What they do

St. Cloud Area Family YMCAs Mission is to Put Christian Principles Into Practice Through Programs That Promote Healthy Lifestyles, Strong Families and Positive Youth Development to Build Healthy Spirit, Mind and Body for All, Regardless of Ability to Pay. The St. Cloud Area Family YMCA Was Founded By Volunteers, Was Chartered With The YMCA of The USA and Incorporated In The State of Minnesota In 1969. The YMCA Seeks to Meet The Needs of The St. Cloud Community Through Youth Development, Healthy Living and Social Responsibility By Providing Life Changing Programs to All Ages, Incomes, Genders, Races, Faiths and Abilities. Everyone is Invited to Become A Member of The Y.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $77.90 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders17 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

60.92%of revenue went to mission work77.9% of expenses · Program services

4.13%of revenue went to fundraising5.3% of expenses

$78.18spent for every $100 of revenueRevenue covered expenses this year.

13.13%of revenue went to management and office costs16.8% of expenses

$6.69in assets for every $1 spent this yearSome assets cannot be spent right away.

30.2%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $223,335 for GREG GACK (EXECUTIVE DIRECTOR). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$7,823,573

Mission workProgram services$4,766,16660.92% of revenue77.9% of expenses

ManagementOffice and general costs$1,027,14813.13% of revenue16.8% of expenses

FundraisingAsking for donations$323,2604.13% of revenue5.3% of expenses

Revenue left after expensesReported annual surplus$1,706,99921.82% of revenueShown in gray on the chart

Total expenses$6,116,57478.18% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2025CurrentExpense mix: 77.9% mission · 16.8% management · 5.3% fundraisingTotal expenses: 78.18% of revenue

2024Expense mix: 79.2% mission · 16.1% management · 4.8% fundraisingTotal expenses: 85.93% of revenue

2023Expense mix: 79.5% mission · 15.9% management · 4.5% fundraisingTotal expenses: 46.17% of revenue

2022Expense mix: 80.4% mission · 14.4% management · 5.2% fundraisingTotal expenses: 87.12% of revenue

2021Expense mix: 79.4% mission · 16.9% management · 3.7% fundraisingTotal expenses: 73.95% of revenue

2020Expense mix: 79.4% mission · 17.1% management · 3.5% fundraisingTotal expenses: 89.77% of revenue

2019Expense mix: 84.5% mission · 13.5% management · 2.0% fundraisingTotal expenses: 92.50% of revenue

2018Expense mix: 86.5% mission · 11.1% management · 2.4% fundraisingTotal expenses: 85.16% of revenue

Money in and money out

Revenue$7,823,573

Expenses$6,116,574

Annual surplus $1,706,999 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$4,766,166 · 77.9% of expenses

Management and office costs$1,027,148 · 16.8% of expenses

Fundraising$323,260 · 5.3% of expenses

See all reported dollar amounts

Revenue$7,823,573

Expenses$6,116,574

Assets$40,930,075

Income$7,945,033

Contributions$2,363,118

Mission work (program services)$4,766,166

Fundraising$323,260

Management and general$1,027,148

Stocks and bonds$1,757,697

Accounting fees$39,525

Investing fees$3,004

People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

GREG GACKEXECUTIVE DIRECTOR · 40 hrs/week $223,335Base $186,515 · Other $36,820

JONATHAN LANGFINANCE DIRECTOR · 40 hrs/week $111,176Base $93,073 · Other $18,103

TIM MCLEANSENIOR PROGRAM DIRECTOR · 40 hrs/week $104,768Base $101,856 · Other $2,912

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (17)

GREG GACKEXECUTIVE DIRECTOR

JONATHAN LANGFINANCE DIRECTOR

TIM MCLEANSENIOR PROGRAM DIRECTOR

TRACY SCHULTESECRETARY

AARON MEESTERTREASURER

SARA LOMMELBOARD MEMBER

MATTHEW KUNKELBOARD MEMBER

MATT STAEHLINGBOARD MEMBER

MATT GAFFYVICE PRESIDENT

KAYLA SCHOENBERGBOARD MEMBER

KATHY PARSONSBOARD MEMBER

JOE BERGSTROMPRESIDENT

DR JILL AMSBERRYBOARD MEMBER

DAVID MASTERSBOARD MEMBER

CATHY JUILFSBOARD MEMBER

BRYAN BURNSBOARD MEMBER (END 5/2025)

BETHANY CROSSBOARD MEMBER

About this charity

Recognized since: January 1969
Location: 2001 Stockinger Drive, St Cloud, MN 56303
County: Stearns
In care of: Greg Gack
Primary officer: Greg Gack, Executive Director

How to reach them

WebsiteVisit the charity’s website Phone(320) 253-2664

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990
Tax preparer: CREATIVE PLANNING TAX LLC
NTEE classification: Young Mens or Womens Associations (P27)
IRS tax category: Young Mens or Womens Associations