Minnesota · Nonprofit
St Cloud Area Family YMCA
St Cloud Area Family YMCA (Minnesota) receives grants from 23 organizations whose IRS filings report $2,693,926 to it, the largest being COMMUNITYGIVING ($1,203,842). 15 of them have funded it in more than one year, and 57% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2025
- $7.8M
- Funders on record
- 23
- Grants received
- $2.7M
- Net assets
- $38M
What St Cloud Area Family YMCA does
Mission
St. Cloud Area Family YMCA's 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.
As stated on its FY2025 Form 990.
Programs
Healthy Living & Other Program Services: Our YMCA is committed to nurturing the spirit, mind, and body of every child, teen, and adult we interact with in our community. We assist our community members in three ways; First, we provide quality programs and membership opportunities targeted to support a healthy lifestyle. This includes partnerships and programs for those who struggle with chronic health issues, including multiple sclerosis, arthritis, and weight management. In 2025 we started a Diabetes health support group to promote healthier lifestyles and community for those living with the disease, and our partnership with St. Cloud Orthopedics allows us to rent out our therapy pool to allow them to host orthopedic rehabilitation programs. The second way we assist our community is through our financial assistance program. Qualifying applicants may join the YMCA as members based on their ability to pay by filling out a financial assistance application. The income limits for this application reflect the limits listed for free and reduced lunch in District 742. Applicants may receive either a 20%, 40%, or 60% reduction on their membership fees and either a 25% or 50% reduction on…
$1,683,398 spentof which $245,681 as grants$1,539,669 earned by the program35% of program spendingSocial Responsibility: Memberships are available to families, adults, and individual youth. The Y does not turn anyone away due to their inability to pay and we provide financial assistance to qualifying applicants. Our financial assistance program helps those in need gain access to quality programming and membership opportunities to help them become more active, healthy members in our community. The St. Cloud YMCA is committed to helping these individuals reach their full potential. Qualified members can receive up to a 60% reduction on their membership and up to a 50% reduction on qualifying programs. In acknowledgment of Minnesota's 10,000 lakes, we have also launched the Safety Around Water (SAW) program for second grade students enrolled in St. Cloud Area School District 742. Drowning is the second leading cause of death and injury among children ages 1-14 in Minnesota and statistics show that 79% of homes with incomes less than $50,000 have little-to-no swimming ability due to limited access to quality swim instruction. The SAW program aims to equip kids with the tools they need to be confident in and around water. Our YMCA is the only Y in Minnesota (and one of only two in…
$1,589,952 spentof which $47,412 as grants$1,559,124 earned by the program33% of program spendingYouth Development: Children and teens of all ages and backgrounds are welcome at the St. Cloud Area Family YMCA. We believe each individual child and teen is uniquely important and we are committed to nurturing their potential and permit them access to opportunities that will allow them to discover who they are and what they can achieve. The Y experience can start for youth as early as 6 weeks of age in our Kid Zone childcare room, and the experience can continue through adolescent and teen years by participation in swim lessons, day camp, on-site birthday parties, rock climbing, home school physical education programs, or our in-house youth sports programs. These programs promote lasting friendships, fight childhood obesity, and introduce youth to aspects of life that can support the development of skills such as creativity, literacy, physical and motor development, and social and emotional skills. The YMCA's Bernick's Family Fitness Series is another opportunity for youth and families to get active by participating in our 5K, 2 Mile, and Kids' Runs. In 2025: 92 children were able to engage in activities in our facility with their family while being safely supervised by our…
$1,492,816 spentof which $137,927 as grants$1,622,173 earned by the program31% of program spending
The 3 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $4,766,166.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2022 to 2023, from $33M to $40M (+21%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 1 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Greg Gack
Executive Director
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 3 funders to 12 funders, grant income rose $78k → $537k.
11 of 23 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 57% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of St Cloud Area Family YMCA’s funders (the co-funder graph). Top 22 of 23 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
St Cloud Area Family YMCA leans on a few funders — its largest provides 45% of grant income and the top three 71%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
65% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund St Cloud Area Family YMCA.
Largest funder’s share by year: 2017 47% · 2018 71% · 2019 63% · 2020 86% · 2021 61% · 2022 64% · 2023 43% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
57% of St Cloud Area Family YMCA's funders are still giving 3 years after their first grant; 65% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
57% of St Cloud Area Family YMCA's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Of the $1.2M that is directly attributable, 77% of it comes from Minnesota funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $1.5M arriving through sponsors registered in 8 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Organizations like St Cloud Area Family YMCA
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Minnesota
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
78% of spending goes to programs.
Governance
Public support
64%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Screen this organization
A dated, signed PDF of the compliance screen for St Cloud Area Family YMCA: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds St Cloud Area Family YMCA?
- St Cloud Area Family YMCA (Minnesota) receives grants from 23 organizations whose IRS filings report $2,693,926 to it, the largest being COMMUNITYGIVING ($1,203,842). 15 of them have funded it in more than one year, and 57% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does St Cloud Area Family YMCA have?
- IRS filings report 23 organizations giving $2,693,926 in grants to St Cloud Area Family YMCA, 15 of which have funded it in more than one year.
- Who is the largest funder of St Cloud Area Family YMCA?
- COMMUNITYGIVING is the largest funder on record, with $1,203,842 in grants. The full list of funders is on this page.
- How can an organization like St Cloud Area Family YMCA find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Minnesota. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds St Cloud Area Family YMCA →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 23 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing