Nonprofit · EIN 13-5562401
YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND
Also known as YMCA RETIREMENT FUND
Tax-exempt · NEW YORK, NY 10036
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| June 30, 2025 | 990 | $649,289,748 | $663,098,781 | -$13,809,033 | $10,272,785,034 | $9,206,393,075 | $1,066,391,959 |
| June 30, 2024 | 990 | $606,354,941 | $578,530,290 | $27,824,651 | $9,217,436,636 | $8,500,274,582 | $717,162,054 |
Financial details: 990 for the year ended June 30, 2025
Revenue
- Contributions, gifts and grants
- $297,287
- Program service revenue
- $176,175,438
- Investment income
- $472,817,023
- Net gain from sales of assets
- $413,764,631
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $311,405
- Benefits paid to members
- $591,157,117
- Compensation of officers, directors and key employees
- $8,210,613
- Other salaries and wages
- $26,562,573
- Salaries, compensation and benefits (total)
- $41,312,136
- Professional fundraising fees
- $0
- Legal fees
- $301,880
- Accounting fees
- $535,986
- Occupancy
- $2,492,914
- Travel
- $692,238
- Depreciation
- $2,141,073
- Program services (functional)
- $642,781,932
- Management and general (functional)
- $20,316,849
Balance sheet and other
- Total assets, start of year
- $9,217,436,636
- Total assets, end of year
- $10,272,785,034
- Total liabilities, end of year
- $9,206,393,075
- Net assets, end of year
- $1,066,391,959
- Land, buildings and equipment
- $3,013,658
- Publicly traded securities
- $4,116,057,596
- Gross receipts
- $1,885,551,594
- Employees
- 135
- Volunteers
- 17
- Year formed
- 1921
- State of legal domicile
- NY
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended June 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| MICHAEL CEFOLE | PRESIDENT AND CHIEF EXECUTIVE OFFICER Officer | 40 | $2,342,577 | $0 | $102,885 |
| HUNTER REISNER | CHIEF INVESTMENT OFFICER Officer | 40 | $1,805,687 | $0 | $103,663 |
| MARK SINNI | DEPUTY CHIEF INVESTMENT OFFICER Highest-paid employee | 40 | $1,301,040 | $0 | $82,574 |
| GERARD RESCIGNO | CHIEF INFORMATION OFFICER Key employee | 40 | $1,134,617 | $0 | $98,328 |
| SULEYMAN GOKCAN | SENIOR MANAGING DIRECTOR OF RISK Highest-paid employee | 40 | $993,433 | $0 | $108,580 |
| DERRICK STEWART | EXECUTIVE VICE PRESIDENT & CHIEF OPERATING OFFICER Officer | 40 | $810,180 | $0 | $104,530 |
| JOHN MAIMONE MEDWICK | INVESTMENT DIRECTOR Highest-paid employee | 40 | $829,319 | $0 | $59,336 |
| GORDON BAILEY | CHIEF ADMINISTRATIVE OFFICER Officer | 40 | $793,152 | $0 | $79,043 |
| JOHN QUINONES | GENERAL COUNSEL Officer | 40 | $701,240 | $0 | $98,901 |
| KATHERINE GRANT | INVESTMENT DIRECTOR Highest-paid employee | 40 | $700,355 | $0 | $78,791 |
| ERIK STROBEL | INVESTMENT DIRECTOR Highest-paid employee | 40 | $586,598 | $0 | $59,972 |
| LAUREN A KOONTZ | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $456,033 | $47,045 |
| DAVID CONNELL | TRUSTEE VOLUNTEER AS OF 2/25 Trustee or director | 2 | $0 | $341,755 | $60,348 |
| JOSEPH R WEIST | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $186,567 | $27,209 |
| PATRICIA HAVERLAND | VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 | $0 |
13 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| WILLIAM D RUECKERT | CHAIRMAN Trustee or director, Officer | 2 | $0 |
| BRIAN T PEDERSON | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 |
| CARA-ANNE GAGLIANO | TRUSTEE VOLUNTEER AS OF 5/25 Trustee or director | 2 | $0 |
| CHRISTINE C MARCKS | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 |
| CHRISTOPHER O BLUNT | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 |
| JACQUELINE D JENKINS | TRUSTEE VOLUNTEER AS OF 9/24 Trustee or director | 2 | $0 |
| JAYESH BHANSALI | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 |
| JURIJ Z KUSHNER | TRUSTEE VOLUNTEER UNTIL 12/24 Trustee or director | 2 | $0 |
| MARK BAUMGARTNER | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 |
| POOJA RAHMAN | TRUSTEE VOLUNTEER AS OF 9/24 Trustee or director | 2 | $0 |
| SCOTT C EVANS | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 |
| STEPHEN IVES | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 |
| W KELVIN WALKER | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 |
990 for the year ended June 30, 2024: 25 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| HUNTER REISNER | CHIEF INVESTMENT OFFICER Officer | 40 | $2,354,008 | $0 | $100,837 |
| MICHAEL CEFOLE | PRESIDENT AND CHIEF EXECUTIVE OFFICER Officer | 40 | $1,297,283 | $0 | $100,747 |
| MARK SINNI | DEPUTY CHIEF INVESTMENT OFFICER Highest-paid employee | 40 | $1,251,901 | $0 | $77,726 |
| SULEYMAN GOKCAN | SENIOR MANAGING DIRECTOR OF RISK Highest-paid employee | 40 | $928,290 | $0 | $106,967 |
| DERRICK STEWART | EXECUTIVE VICE PRESIDENT & CHIEF OPERATING OFFICER Officer | 40 | $719,649 | $0 | $104,246 |
| GERARD RESCIGNO | CHIEF INFORMATION OFFICER Key employee | 40 | $673,026 | $0 | $96,364 |
| JOHN QUINONES | GENERAL COUNSEL Officer | 40 | $671,575 | $0 | $96,963 |
| JOHN MAIMONE MEDWICK | INVESTMENT DIRECTOR Highest-paid employee | 40 | $665,652 | $0 | $55,564 |
| KATHERINE GRANT | INVESTMENT DIRECTOR Highest-paid employee | 40 | $639,407 | $0 | $39,523 |
| ERIK STROBEL | INVESTMENT DIRECTOR Highest-paid employee | 40 | $529,101 | $0 | $58,229 |
| GORDON BAILEY | CHIEF ADMINISTRATIVE OFFICER Officer | 40 | $497,023 | $0 | $35,861 |
| LAUREN A KOONTZ | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $483,029 | $36,068 |
| DENISE DAY | BOARD OFFICER UNTIL 5/22 Former | 0 | $0 | $294,861 | $39,112 |
| JOSEPH R WEIST | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $180,069 | $27,670 |
| PATRICIA HAVERLAND | VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 | $0 |
| WILLIAM D RUECKERT | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 | $0 |
| BRIAN T PEDERSON | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $0 | $0 |
| CHRISTINE C MARCKS | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $0 | $0 |
| CHRISTOPHER O BLUNT | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $0 | $0 |
| JAYESH BHANSALI | TRUSTEE VOLUNTEER AS OF 12/23 Trustee or director | 2 | $0 | $0 | $0 |
| JURIJ Z KUSHNER | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $0 | $0 |
| MARK BAUMGARTNER | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $0 | $0 |
| SCOTT C EVANS | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $0 | $0 |
| STEPHEN IVES | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $0 | $0 |
| W KELVIN WALKER | TRUSTEE VOLUNTEER Trustee or director | 2 | $0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1177 AVENUE OF THE AMERICAS, NEW YORK, NY 10036-2714
- Principal officer (990 for 2024)
- MICHAEL CEFOLE, 1177 Avenue of the Americas, New York, NY 10036
- Signed the 990
- LISA WORTHY, SVP - FINANCE
- Phone
- (646) 458-2400
- Website
- WWW.YRETIREMENT.ORG
- Return prepared by
- KPMG LLP
Mission
The mission of the YMCA Retirement Fund is to partner with YMCAs to help those who serve others build a foundation for financial security in retirement.
Program accomplishments
- THE 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 SAVINGS PLAN: A RETIREMENT INCOME ACCOUNT PLAN AS DEFINED IN SECTION 403(B)(9) OF THE CODE. LIFE ANNUITIES TO RETIREES: THE YMCA RETIREMENT FUND PROVIDES ANNUITIES BASED UPON ACCUMULATED ACCOUNT BALANCES IN THE RETIREMENT PLAN AND TAX-DEFERRED SAVINGS PLAN TO PARTICIPANTS OF RETIREMENT AGE. DEATH AND DISABILITY BENEFITS: RETIREMENT DEATH AND DISABILITY BENEFITS ARE PROVIDED TO PARTICIPANTS OR THEIR BENEFICIARIES UPON DEATH OR PERMANENT TOTAL DISABILITY.Expenses $642,781,932 · grants $311,405 · revenue $176,175,438
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in June, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | June 30, 2026 | November 16, 2026 | Not due yet |
| 2024 | June 30, 2025 | November 17, 2025 | 990 on file |
| 2023 | June 30, 2024 | November 15, 2024 | 990 on file |
IRS record
- EIN
- 13-5562401
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Supporting organization (509(a)(3))
- Donations deductible (Pub 78)
- Supporting organization of unknown type
- Exempt since
- 1951
- Accounting year ends
- June
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Mutual and membership benefit (Y300)
- Assets (IRS master file)
- $10,272,785,034
- Income (IRS master file)
- $1,885,551,594
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | June 2025 | $649,289,748 | $663,098,781 | $10,272,785,034 | XML |
| 990-T | June 2025 | – | – | – | IRS |
| 990 | June 2024 | $606,354,941 | $578,530,290 | $9,217,436,636 | XML |
| 990-T | June 2024 | – | – | – | IRS |
| 990 | June 2023 | $523,401,858 | $162,089,830 | $8,764,780,414 | IRS |
| 990-T | June 2023 | – | – | – | IRS |
| 990 | June 2022 | – | – | – | IRS |
| 990-T | June 2022 | – | – | – | IRS |
| 990 | June 2021 | – | – | – | IRS |
| 990-T | June 2021 | – | – | – | IRS |
| 990 | June 2019 | – | – | – | IRS |
| 990 | June 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 13-5562401).
Questions about YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND
- What is the EIN of YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND?
- The employer identification number (EIN) of YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND is 13-5562401.
- Is YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1951.
- Are donations to YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND tax-deductible?
- Yes. It is listed in IRS Publication 78 (Supporting organization of unknown type).
- Which annual return does YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND due?
- The return for tax year 2025 (the year ending June 30, 2026) is due November 16, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended June 2025.
- Who is the principal officer of YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND?
- The 990 for the year ended June 30, 2025 names MICHAEL CEFOLE.
- Who are the officers and directors of YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND?
- The 990 for the year ended June 30, 2025 lists 28 people; 11 received compensation from the organization, the highest $2,342,577 (MICHAEL CEFOLE, PRESIDENT AND CHIEF EXECUTIVE OFFICER).
- How much revenue does YOUNG MENS CHRISTIAN ASSOCIATION RETIREMENT FUND have?
- On its 990 for the year ended June 30, 2025 it reported revenue of $649,289,748, expenses of $663,098,781 and total assets of $10,272,785,034 at year end.
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