## Annual Report 2020-2021 


## YMCA Ripon 5 Water Skellgate, Ripon North Yorkshire 

## HG4 1BQ 

## Registered Charity 250986 Registered Housing Association LH 3651 




Ripon YMCA is an Unincorporated Charity. We also have a dormant Incorporated Organisation called YMCA Ripon CIO. 

Both have the following members and advisers and uses external bankers and auditors: 

|Patron|Joanne Ropner LL|
|---|---|
|President|Bernard Bateman MBE|
|Chair|Sean McKibben|
|Vice Chair|Odette Robson|
|Treasurer|Nick Bentley|
|Board Members|Chris Taylor|
||Kari Munro|
||Stef Benson|
||Jo Thackwray|
||George Dickenson|
||Rebecca Mian|
||Antony Pitt – Co-opted 24thof March 21.|
|Staff:|Lucy Gratton|
||Emma Martin|
||Melanie Whiteside|
||Emma Taylforth|
||Bev Skaife|
||Imogen Moore|
||Stephen Mossop|
||Joanne Riedy|
|Bankers:|HSBC, 34 Westgate, Ripon, North Yorkshire|
|Auditors:|JWP Creers LLP, Chartered Accountants, Genesis 5, Church Lane|
||York, YO10 5DQ|



The Ripon YMCA Board of Trustees can elect up to 10 individuals as trustees. We have a Chairperson, Treasurer and Vice Chairperson. Individuals who are known to the organisation or via professional networks are recruited with a role description, application and vetting process. A basic DBS is carried out and new trustees have an induction process and are required to read The Essential Trustee. A skills audit of Trustees is carried out every few years to ensure we are meeting the organisation needs. If gaps are identified we will actively recruit via our local infrastructure organisation, or facilities such as 

www.reachvolunteering.org.uk. Our constitution allows for Board members to be co-opted within the governance year. 

We are undertaking the self-assessment for the Trusted Charity Status, and continuing to grow, develop and learn. 

02 



## **Our Organisation** 

In 2020 we undertook a full strategic review of Ripon YMCA. 

Coronavirus lockdowns provided a perfect opportunity to pause, review and develop our thinking for the future. 

## **We created the following Vision, Values and Strategic Objectives:** 

## **Our vision** 

Ripon is a place where all young people can live safely, securely and independently, fulfilling their potential, and being valued members of the community. 

## **Our mission** 

To remove young people from homelessness through the provision of accommodation, and address issues that prevent young people from achieving their potential, such as poor mental health, family breakdown, lack of opportunities and aspirations. 

## **Our values** 

**We Seek Out;** We are excited about creating working partnerships and connecting with the local community 

**We Welcome;** We offer all young people the space they need to feel safe, respected, heard and valued 

**We Inspire;** We inspire tenants, young people, partners and stakeholders by having a passionate and professional approach to what we do 

**We Speak Out;** We advocate on behalf of our tenants and young people 

**We Serve;** We are dedicated to serving young people 

## **Our Strategic Goals** 

**1.** To provide good quality, safe and secure accommodation in Ripon, helping to ensure the housing needs of young people are appropriately met. 

**2.** To provide our tenants with a Personalised Support Programme to ensure they achieve their potential. 

**3.** To work with others to ensure young people in Ripon have access to services that support their personal and social development, enabling them to make informed choices about their lives. 

**4.** Extend our influence in order to raise awareness of youth homelessness and celebrate the positive contribution of young people in our society and community. 

03 



YMCA RIPON
Mission
Vision
To remove young people
from homelessness
through the provision of
ac(ommodatlon,
and address i95uesthat
preventyoung people from
achlevlng thelr potentlal,
suth as poor mental
health, farnily breakdown.
la¢k tsf Opportunltlés
and aspiration&
Ethos & Values
Rlpon Is a place
where all young
people can Ilve
safelyt securelyand
Independently
fulfilllng thelr
potentlaL and belng
valued member5
ofthecommunlty.
We seek out
Wew
me
We speak out
We serve others
We a￿exCIted about
creatingy￿rkIng
partnershipsand
connKtingwf(h the
local communty.
Wèofferall young We inspireTenants,young Wethateon
peoplethe space
people, partnersand kehallof ourtenants
they needtofeel
stskeholders by having a andyoung people.
Safe, respected,
passionate and profe5-
heaidand valued. sional approaih towhat
wed
We aftdèdicatedto
servingyoung
peop￿.
Our Strategic Goals
To provide good quality. safè and sècure accommodatlon In Rlpon. hèlplng to ènsure the houslng nèeds of young people are approprlatèly mèt.
To provide ourtenants with a Personalised Support Programme to ensure they achieve their potential.
To work with others to ensure young people in Ripon have access to services that support their personal and social developmenL enabling them
to make informed cholces aboLrt their Ilve5.
Extend our Influence In order to raise awareness of youth homelessnèss and celebrate the posltlve contrlbutlon of young people In our soclety.
How do we know we are achieving our goals.
Outputs
Outcomes
Activities
Prt+¥lslon of attommoda￿oTh
Impact
Reduced homeknness
Indicators
Tenants'Personallsed Support
Programme
ContrlbLrtlon toyouth workat)d
supportforyouny people In
Ripon
Comrnunity Partner5 Programrne
gagernent
n support
Increased financlal
Independen
Better mentsl health
Increase In p051tlve move o
Increased numberof young people
who achleve own tenancy
Improved Confiden￿ reported In
young people
Improvementengagement wlth
empl¢)ymenL education. and tralnlng
opportuThltles
Improved scoreson ourwtllbelng
scales
Move on rates
Young peopleare better
equlpped to manage thelr
Ilves well
AtteThdan￿ In educatlon
Increased employablllty
Increased awarenes50f
homelessne￿ Issues
EEToptlons
Sesslons olyouth work
Community partner5
Dor￿tiOnS and community
engagement
Young peoplearesafeand
healthy
People and Communltlesare
more awareofyouth
homelessness and Issues
affectlng yout)g people
Volurrteers
Improvementln attltudes olth@ local
otntnunlty

## **Sean McKibben - Chairpersons Report** 

It has been a year like no other as a global pandemic has disrupted lives and exacted a terrible toll in lives lost. Its impact has been profound in so many areas of life and, while young people have not borne the brunt of the awful illness and death, they have been hardhit by the consequences of the battle to limit the spread of the virus. Their lives have been significantly impacted and opportunities to work, learn and enjoy a social life have been severely curtailed, with inevitable consequences for mental health and wellbeing.  The staff team at Ripon YMCA have responded magnificently to these difficult circumstances, ensuring that the young people living here have received the support they needed while keeping everyone, staff and residents, safe. The response has demonstrated the resilience of both the young people that Ripon YMCA supports, and also of Ripon YMCA, its staff and processes. The coming year will need to see a focus on helping young people to rebuild their lives and Ripon YMCA is well-placed to do this, having secured funding for a number of Covid recovery initiatives. 

Despite the unprecedented situation we have found ourselves in, the past year has seen Ripon YMCA continue to grow, develop and embrace new opportunities. Working with the Board of Trustees, Lucy has revisited and revitalised Ripon YMCA's core purpose and strategy. As well as continuing to provide much-needed accommodation for young people, there are some new strategic priorities that will enable Ripon YMCA to increase its reach and influence beyond supporting the young people living on site. Funding has been secured by Lucy and her team to develop these new opportunities, including delivering mental health awareness training and other initiatives to make a difference to the lives of young people in the Ripon area. 

Despite the impact of the pandemic, Ripon YMCA has increased the housing it has to offer with the recent opening of No.4. When I first visited to have a look around, No.4 was a derelict eyesore across the courtyard from the office. Since then, the building has been refurbished to a very high standard and is soon to become home to its first residents. The fact that this renovation was delivered in such a well-planned and cost-effective way speaks volumes about the quality of management and delivery within the staff team, as well as being a testament to the sound financial position and good governance of the organisation. 

As well as an excellent staff team, Ripon YMCA also has a skilled and committed board of trustees, bolstered over the last year by two new faces, Rebecca and Anthony, both bringing valuable skills and experience to the Board. Other longer-standing trustees remain, with specific thanks to Nick who has been an excellent treasurer and, while handing those reins over to Anthony, is remaining on the Board. Huge thanks also to Odette, who made taking over from her as Chair very easy with her support and advice as Vice-Chair. Odette has now decided to take a well-earned break from trustee duties, so thanks again to her for her hardwork and inspiration that has helped Ripon YMCA get to where it is today. 

Despite the turmoil that we have seen since the last annual report, Ripon YMCA is in a good place. It has a well thought-through strategy, backed up by strong operational plans, robust finances and an excellent staff team. The coming year will see Ripon YMCA continue to make a real difference to the lives of young people, giving them not only a roof over their head but support to help them to move on to the next stage of their lives. 




## **Overview of services and activity** 

Ripon YMCA continues to thrive with a range of developments and opportunities arising from the Coronavirus crisis. 

20/21 was a challenging year. We saw a number of staff move on, but this provided new opportunities and in November 20 we welcomed Joanne Reidy to the team as our first Housing Operations Manager. 

Following the closure of our Community Hall in March 2020 it became apparent that efforts to reopen it for hire distracted from our main aim of supporting our tenants and young people in Ripon. The hall was used throughout 20/21 to provide space for staff to meet tenants face to face whilst social distancing. 

Inline with our new Strategic Goals we will respond to each individually in this report to demonstrate our progress and plans. 

**Goal:** To provide good quality, safe and secure accommodation in Ripon, helping to ensure housing needs of young people are appropriately met. 

## **Progress and activity:** 

In 2020/2021 we: 

   - Provided Supported Housing to 27 young people 

   - Supported 16 young people in the 4 months of the first Coronavirus Lockdown in challenging circumstances 

   - Developed policy, procedure and working practices to try and meet the needs of our tenants within our vulnerable setting 

   - Maintained an average of 83% occupancy 

   - Completed the refurbishment of No4. To increase our capacity by 3 rooms in a shared house. 

   - Engaged with surveys, experts and architects to explore the development of the Ripon YMCA site. 

   - Managed and learned from an increase in tenant incidents and challenging behaviour during the Coronavirus lockdown periods. 

   - Negotiated an increase in Supported Housing rent via Housing Benefit 

- **Goal:** To provide our tenants with a Personalised Support Programme to ensure they achieve their potential. 

## **Progress and activity:** 

In 2020/2021 we: 

- Provided regular keywork sessions with tenants at the YMCA or online when required. 

- Developed resources and welfare packs to support tenants whilst in lockdown. 

- • Provided onsite support from staff throughout the lockdown period. 

06 



- Developed information and provided meals packs for those isolating or in need of additional food support. 

- Managed an increase of self harm, poor mental health, incidents and challenges faced at the YMCA during the difficult year. 

- Developed a range of tools and recording mechanisms to ensure our tenants receive personalised support. 

- Developed the community hall in to a space to meet safety with tenants. 

- Managed Covid and had only 1 case at the YMCA, and a handful of isolations. All staff and tenants were double jabbed as a priority. 

- Ongoing development of information records, monitoring and outcome assessment. 

## **The following page has a visual report about our Supported Housing Activity in 20/21.** 

07 



Do you feel safe at
the YMCA? Overall
tenants gave a score
of 3.23 out of 4
Covid 19 Iiiipact
During the first Covid
19 Lockdown we have
16 young people
living at the YMCA.
The 4 who had Jobs
lost them quickly.
moved in 420/0 of All those young
them had a
people stayed with us
mental health
untll late summer
Issue, with 40 % of
2020 when we saw
those having a
more opportunitles
severe mental
available and housing
health issue.
regulation r-elax.
Are you comfortable?
Overall tenaiits gave a
score of 3.37 out of 4
Since April 2020
280/0 of our tenants
mental health
deteriorated due to
the pandemic.
"My room is my independence.
First time in a long time I feel
safe and at ease"
Between April 2020 and March
2021 we had 27 tenants
staying at the YMCA
YMCA RIPON
2020/2021
What is the best thing
about the YMCA?
My support worker
Its close to town and the
people are nice
The freedom, stsff and
meetlng new people
There is always lots of SUP￿Ort
They supported me through
Covid when I lost my job.
We saw 8 tenants move on from
the YMCA this year. 4 male and 4
female. 6 were under 24.
Our average stay Increased due to
the lack of move on oppoituiiities
during lockdown with 2 tenarts
being with us over 2 years and the
rest between 12 and 18 months.
08

- **Goal:** To work with others to ensure young people in Ripon have access to services that support their personal and social development, enabling them to make informed choices about their lives. 

## **Progress and activity:** 

In 2020/2021 we: 

- Were successful in applying for funding to develop youth work provision and have worked on the street on a weekly basis since October 2020. 

- We have developed youth work partnerships and have engaged with the NYCC collective called Streets Ahead which is a professional partnership developing street based youth work to reduce hidden vulnerability and harm. 

- We now lead Ripon Youth Work Partnership which started in 2021 following an increase in anti social behaviour in Ripon. The partnership[ is growing and through working together we are able to develop, promote and provide joined up Youth Work for our young people. 

- We successfully received funding to develop accredited learning provision for employability. We have worked with the Princes Trust to become an accredited centre to deliver their Achieve Awards and continue to develop this provision. 

- We successfully fundraised for a project called Works For You which extends our employability work with business engagement and employability provision. 

- The Red Triangle Drama group has moved online during the Covid period, however we have plans to bring it back to the YMCA and to celebrate the online community that formed during lockdown. 

**Goal:** Extend our influence in order to raise awareness of youth homelessness and celebrate the positive contribution of young people in our society and community. 

## **Progress and activity:** 

In 2020/2021 we: 

- Were successful in applying for funding to develop youth work provision and develop partnerships to raise awareness of the YMCA in Ripon. 

- We worked with YMCA England and Wales to secure some funding to work alongside Ryedale YMCA to improve our quality and capacity to engage in the national federation. 

- We have worked with Picture News to create a Sleep Easy resource for schools that will build awareness of homelessness issues amongst primary and secondary aged pupils and provide a platform for fundraising. 

- We have continued to provide a range of community fundraising activity to support our work and build awareness of the challenges faced during Covid lockdown. 

- We continue to develop our partnerships and reputation amongst funders and local organisation to ensure we are involved and included in future plans and developments. We have become the lead organisation for youth activity in Ripon. 

**Lucy Gratton CEO / General Secretary** 

09 



## **Treasurers Report** 

The charities finances continued to improve in 20/21 with total funds increasing by £64.442 to £711,189 (this figure is made up of our cash, property value and assets). 

This arose mainly from: 

- successful applications for specific project funding 

- continued generosity from the public through donations 

- better than expected room occupancy 

Costs increased, primarily in payroll, reflecting increased hours required undertaking new projects. 

Cash reserves were maintained above the trustees’ £70,000 reserve, representing 6 months costs. The refurbishment of No 4 Water Skellgate was virtually completed by 31[st] March 2021. It expected that the final cost of this refurbishment will be approximately £130,000, financed wholly from the charity’s own resources. 

Overall, despite the uncertainties arising from the COVID pandemic, the underlying financial position continues to be strong providing a good platform for the future. 

## **Nick Bentley Treasurer** 

**The next pages to contain the following:** 

- **Statement of Income and Expenditure** 

- - **Balance sheet** 

10 



RIPON YMCA
STATEMENT OF COMPREHENSIVE INCOME
YEAR ENDED 31 MARCH 2021
Unr•strirt•d R•thctod
Tot
T¢l41
2021
2021
2020
Turnover
204,574
eo,986 265,560 188,349
Operating costs
1165.W21 133,2351 1198.89711150.4711
Operatlng surplu8
38.912
27.751
66.663 37,878
Irrt818St ￿l¥able a￿1 similar incomg
Surplus the year (xdinaty acbvilEs
38,912
27,751
66,663 37,878
Total comprehénsive incorne fortho year
38.912
27.7S1
66.663 37,878
The above f#Jures are 0￿￿"nUing o￿t￿$.
Apwoved by the trustees on 21 2021 and s¥n8d on ￿rbthlr by:
S88n Mcknbben- Chair
Nid( Benley- Tr8asurer

STATEMENTOF FINANCLAL posrnoN
YEAR ENDED 31 MARCH 2021
2021
Tanglble fixed assets
,016
Current Bssots
Debtor5 and pr8payrnents
Cash at bank and in hwd
18.
173,
98.736
191.120
108.699
Creditors.. Arnounts falliry due wthin ye
157,8eOI
19.9281
Net Gurrnnt a$¥•ts
133,￿1
98.771
Creditors.. amount5 fallfig afterone y88r
Defin8d b8nefrt penson liabilty
io
115,8671
118.4291
Total not asuts
712.74fj
Income and eX￿ndItUre res8rw8
Dosign8led devgbpmanl lund
Revaknation reser
R851dct8d Funds
540.345
485.656
12
191.340
17,224
197.0
Totsl r•••No•
Tf9,4ff
712,746
The finonclal ststement$ wer8 approved and athhorw i88ue by Ihg truslws on 21 ju￿ 2021
on th8lr beha￿ by..
MrB Sean MeKibb8n. Chair
Mr 8enUey-Treosw
The note8 on pag•• P#9e 11 to Poge 18 form part ofth•8• ￿￿Thts.
12

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DURIN
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13

RIPON YOUNG MEN'S CHRISTIAN ASSOCIATION
{KNOWN AS RIPON YMCA)
FINANCIAL STATEMENTS
FOR THE YEAR ENDED
31 MARCH 2021
Charity Number 250986
iwp... reers Ilp

RIPON YMCA
INDEX
PAGE
TRUSTEES REPORT
INDEPENDENT EXAMINER'S REPORT
STATEMENT OF COMPREHENSIVE INCOME
STATEMENT OF CHANGES IN RESERVES
STATEMENT OF FINANCIAL POSITION
STATEMENT OF CASH FLOWS AND NOTES TO STATEMENT OF CASH FLOWS
10
NOTES TO THE FINANCIAL STATEMENTS
11-19
MANAGEMENT INFORMATION
20
Detailed ir¢come and expenditure account
21

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021
REFERENCE AND ADMINISTRATIVE INFORMATION
Charity Number
250986
Registered Addross
4-5 Water Skellgate
Ripon
North Yorkshire
HG4 IBQ
Patron
Jo Ropner LL
Trustees
President
Bemard Bateman MBE
Chairperson
Sean McKibben
Odette Robson
(resigned as Chair 3 June 20}
Treasurer
Nick Bentley
Vice Chair
Odette Robson
Kari Munro
(resigned as WI￿ Chair 3 June 20)
Additional trustees-
Kari Munro
Stephanie Benson
George Dickenson
Chris Taylor
Jo Thackwray
Rebecca Mian
Anthony Pitt
(appointed 29 April 201
{appoinled 24 March 21}
Stsff
Ch￿f Executive
Lucy Gratton
Fa￿lity Manager
Joanne Reidy
Housing Support Workers
Keely Smith
Emma Taylforth
Bev Scaife
Imogen Moore
Stephen Mossop
Holly Gadd
Senior Youth Worker
Finance Administrator
Facilities Worker
YoLrth Worker
Key Management Personnel
Lucy Gratton
Principal Bankers
HSBC plc
34 Westgate. Ripx)n, North Yorkshir8
Independent Examinar
Mr N Clemit ACA, FCCA
JWPCreers LLP, Chartered Accountants
Genesis 5, Church Lane
York, YOIO 5DQ

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021 CONTINUED
The trustee8 present their report and financial statements for the year ended 31 March 2021. The Injstees have
adopted the provisions of the Slalement of Recommended Practice ISORP} for Social Housing Providers 2018
and applicable accounting standards. Ihe details are set out further in the basic of preparation and accounting
policies on page 11.
Objèctives
The objects of the Association arise from its a¢￿ptance of the Paris Basis 1855 incorporated into the National
Statement ofthe Aims and Purposes of the YMCA in England. adopted 81 the National Assembly of the English
Yotjng Men's Christian Associations in the year 2003, namely..
"The YMCA is a Christian Movement which seeks to unite those who, regarding Jesus Christ as their God and
Saviour according to the Holy ScriplufrES, desire to he His disciples in their faith and in their life, and to
associate their efforts for the extension of His Kingdon7. It welcomes into rts fellowship persons of all relig￿￿8
faiths and of none-.
In accordance with ils Christian values the YMCA stands for..
A worldwide fellowship based on the equal value of 811 persons
Respect and freedom for all, tolerance and understanding between people of different opinions
Active concern for the needs of the community
United effort by Christians of drfferenl traditions
As the expression of ils Christian Purposes the YMCA aims to=
Provide a w8lcome to ils members for themselves in a meeting place which is theirs to share where
friendships can be mad8 and couns81 sought
Develop activities which stimulate and challenge members in an environment that enables them to
lake responsibility lo find a sense of achievement
Involve all members in the care and work for others
Create opportunities for exchanging views so thal members can improve their understanding of the
world, of themselves and of one another
Accordingly, the objects of the Association are=
To unite those who, regarding Jesus Christ as their God and Saviour according to the Holy
Scriptures, desire to be His disciples in their faith and in their life, and to associate their effotts for the
extension of His Kingdom.
To lead young people to the Lord Jesus Chrisl and lo fullness of life in Him.
To provide or assist in the provision in the interests of social weKare of facilities for recreation and
other leisure lime occupation for men and women with the object of improving their ¢onditions of life.
To provide or assist in the provision of education for persons of all ages with the object of developing
their physical, mental or spiritual capacities.
To relieve or assist in the relief of persons of all ages who are in conditions of need. hardship or
distress by reason of their social, physical or, economic circumstances.
To provide short lemi residential accommodation for persons of a11 ages who arg in wnditions of
need, hardship or distress by reason of their social, physical or economic circumstances.
12)
{31
{41
151
161
Housing Association
This consists of dwellings containing nineteen secure bedsits.
The Iruslees have due regard to the Charity Commission's guidance on public benefit, and ensure that the
activities of the organisalion meet those requirements.

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021 CONTINUED
ACHIEVEMENTS AND PERFORMANCE
The objects of Ripon YMCA are to provide youth and community work within the local area. This is achieved by
providing the following quality programme of work in:.
1. Supported housing for primarily young people aged 16-35.
2. Programmed projects lo develop life skills and employability.
3. Programmed youth work for young people.
The charity's management team have ¢ontinu8d lo build on its perfomian¢e last year to improve ils financial
base, to support necessary refurbishments, and solidify its position as a meaningful organisation providing
supported housing and seNices for young people in the community.
During the year the eharity were able to access a range of grants and funding from Trusts and Foundations.
Whilst these werè increasingly accessible during the Coronavirus Pandemic, they will form a key part ofthe work,
and tr￿Qme into the fvture.
During the year the charity developed a &year strategic plan the strategic goals identified are..
1. To provide good quality, safe and S￿Ure accommodation in Ripon. helping lo ensure the housing
needs of young people are appropriately met.
2. To provide our tenants with a Personalised Support Programme lo ensure they achieve their
potential.
3. To work with others to ensure young people in Ripon have access to services that support their
personal and social development, enabling them lo make infomied choices about their lives.
4. Extend our inflijence in order to raise awareness of youth homelessness and celebrate the positive
contribution of young people in our society
VALUE FOR MONEY METRICS
This Is a requirement of the Housing Association..
2021
2020
NHF.
Bu$lness Health
eratin
Mar
overall
eratin
Mar
in
social housin
EBITDA MRI 0/0 of interest cover
Develo
ment & Ca
acl
New Su
social housin
units %
New Supply- non-social housing
units °
Gearin
Out¢omes
Reinvestment O/•
Asset Mana
ernent
Return on Ca
ital Em
O eratin
Efficienc
Headline social housin
25°
13.10
20%
1°/o
220/0
240/0
196°/0
0°
00
27./0
16Yo
6°/0
ed
81.
50
39
cost
er unil
£9,539
£7.920
£4.023
'figures taken from NHF report 2020

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021 CONTINVED
FINANCIAL REVIEW
The charity has made an overall surplus of £66,66312020'. £37,878). The surplus was achieved through higher
than expècted occupancy. successful fundraising and cost management. It also includes project funding received
in 20121 that will continue to be delivered 21122. Staff costs were higher partty through a decision to invest in
our own capacity. Work continued during the year on the refurbishment of the house al 4 Water Skellgale which
is being developed for add(Éional onsite accommodation.
RESERVES POLICY
The trustees have designated £15,500 to large scale propety improvements.
The trustees have designated £15,000 to finan￿ our complex transition to an Incorporated Organisation and
the organisational development involved.
The total charity funds al the year-end were £779.409 {2020.. £712,746) which includes the revaluation reserve
of £191.340 12020.. £197,090). After removing the remairking fixed assets of £470,676 12020.. £435,314), the
designatèd fund of £30,500 12020.. £30,000) and the restricted grants of £17.22412020.' £nill this leaves free
reserves at £69,66912020.- £50,342).
The Iruslees have decided that free reserves should be maintained at a minimum of £70,000 representing six
months operating expenses.
STRUCTURE, GOVERNANCE AND MANAGEMENT
Ripon YMCA is re9islered with Ihe Housing Association (Number LH3651 } and is 8 registered charity INumber
250986}.
The charity adopted the model constitution of YMCA as amended 5 October 1981. 6 January 1989, 25 May 1994
and 25 May 2005.
A charitsble incorporated organisation (CIO- 11809121 has been registered in November2018 with the intention
to achieve limited liability slalus, a fomi that is better suited to the charity's development. Limited activity has
been recorded in the new charity as yel.11 is intended that, at some point in the future, the charity's assets and
liabilities will be transferred to this rbew orgarnisation.
The trustees have undertaken an assessment and confim)ed the chartys Complian￿ with the Governan￿ arkd
Financial Viability Standard.
The charty uses the essential trusteè and receives guidance from Community First Yorkshire, NCVO and YMCA
E & W for compliance and govemance. It has also started to ulilise the Trusted Charity Standard.
The Ripon YMCA Board of Trustees can elect up to 10 individuals as trustees. We have a Chairperson,
Treasurer and Vice Chairperson. Individuals who are known to the organisation or via professional networks
are recruited with a role description, application and vetting process. A basi¢ DBS is carried out and new
trustees have an induction process and are required to read The Essential Trustee. A skills audit of trustees
is carried out annually to ensure we are meeting the organisation needs. If gaps are identified we will actively
reeruil via our local infraslruclure organisalion, or facilities such as www.reachvolunteeri
.or

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021 CONTINUED
Trust88's rèsponsibilities
The trustees are responsible for preparing the report and financial statements in accordan￿ with applicable
law and regulations.
The registered social housing legislation require the trustees to prepare financial statements for each financial
year which give a true and fair view of the slate of affairs of the charity and of ils income and expenditure for
that period.
In preparing the financial slalemenls the trustees are required to'.-
Select sui(abSe accounting policies and appty them consistently.
Make judgements and eslimales that are reasonable and prudent.
Stale whether applicable accounting standards have been fdlowed, subject to any material departures
disclosed and explained in the financial statements., and
Prepare the financial statements on a going concem basis unless rf( is inappropriate lo presume Ih8t the
charity will continue in business.
The trustees are responsible for keeping proper accounting records which disclose with reasonable accuratty at
any lime the financial position of the charity and lo enable it lo ensure that the financial slalemenls eomply with
the Housing and Regeneration A¢1 2008 and The Accounting Direction for private registered providers of socia5
houtsing in England 2019_ They have general responsibility for taking reasonable steps to safeguard the assets
of the charity and delect fraud and other irregularities.
Approved by the trustees on 21 July 2021 and signed on their behalf by:
Sean NAcKib
Chair

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF
RIPON YMCA
YEAR ENDED 31 MARCH 2021
I report to the charity trustees on my examination of the accounts of the charity for Ihe year ended 31 March
2021 which comprise the slalement of comprehensive income. statement of changes in funds, slalement of
financial position. ststemenl of cash flows and relevant notes.
Respective responslbllltles of the trustees and reporting accountants
The trust88s of th8 Registered Social Housing Provider are responsible for the preparation of the accounts,
and they consider that the Registered Social Housing Providèr is èxampl from an audit. It is our responsibility
lo carry out procedures designed to enable us to report our opinion.
Basls of oplnlon
Our procedures consisted of comparing the accounts with the accounting records kept by the Registered
Social Housing Provider and making such enquiries of the officers of the Registe￿d Social Housing Provider
as we considered necessary for the purpose of this report. These procedures provide the only assurance
expressed in our opinion.
Opinion
In our opinion..
the accounts for year ended 31 March 2021 are in accordance with the a￿OUntIng records kept by the
Registered Social Housing Provider under paragraph 135121{al of the Housing and Regeneration Act 2008.,
having regard only lo, and on the basis of the informallon contained in the accounting records..
the accounts comply with the r8quiremenls of the Charities Act 2011-
the Registered Social Housing Provider has satisfied the conditions for exemption from an audit of the
accounts for the year ended 31 March 2021 specified in section 136(31 of the Housing and
Regeneration Act 2008.
the accounts comply with the requirements of the Housing and Regeneration Act 2008 and the Accounting
Direction for private registered providers of social housing in England 2019.
CA
JWPCreers LLP
Chartered Accounlanls
Genesis 5
Church Lane
Heslinglon
York
Y010 5DQ
15 September 2021

RIPON YMCA
STATEMENT OF COMPREHENSIVE INCOME
YEAR ENDED 31 MARCH 2021
Unrestricted Restricted
Total
Total
Notè
2021
2021
2021
2020
Tumover
204.574
60,986 265.560 188,349
Operating costs
1165,6621 (33.2351 1198,89711150,4711
Operab'ng surplijs
38,912
27.751
66,663 37,878
Interest receivab58 and similar income
SLsrplus for the year on ordinary activities
38.912
27,751
66.663 37,878
Total comprehgnsive income for the year
38,912
27.751
66.663 37,878
The above figures are derived from continuing operations.
Approv8d by the trustees on 21 July 2021 and signed on their behalf by:
Sean McKibben- Chair
Nick Bentley- Treasurer

RIPON YMCA
STATEMENT OF CHANGES IN RESERVES
YEAR ENDED 31 MARCH 2021
Income and
Exp¢nditure
Deslgnated
Development
Fund
Rovaluatlon Restricted
Reserve
Funds
Total
As at 1 April 2020
485,656
30.000
197,090
712,746
Transfer
15,777
500
15.7S)I
{10.$271
Total comprehensive
income for the period
38,912
27,751
66,663
As al 31 March 2021
540,345
30.500
191.340
17,224
779,409
-2020-_____________-_---
Dèslgnated
Income and Development Revaluation
Expèndlture
Fund
Reserve
Total
As at 1 April 2019
472.800
202,068
674,868
Trarssfer
(25,0221
30.000
14.9781
Total comprehensive income for the period
37,878
37,878
As al 31 March 2020
485,656
30.000
197.090
712,746

RIPON YMCA
STATEMENT OF FINANCIAL POSITION
YEAR ENDED 31 MARCH 2021
Nole
2021
2020
Tangible Ilxed assets
662.016
632,404
Current assets
Debtors and prep8ymenls
Cagh at bank and in hand
18,058
173,062
9.963
98,736
191,120
108,699
Creditors.. Amounts falling due within one year
{57,8601
19,928}
Net current assets
133,260
98,771
Creditors.. amounts falling dye after one year
Defined benefit pension liability
10
115,8671
{18,429)
Total net assets
779,409
712.746
Reserves
Income and &xpenditure reserve
Designated development fund
Revaluation reserve
Restricted Funds
540,345
30,500
191,340
17,224
485,656
30,000
197.090
12
Total reserves
779,409
712,746
The financial statements were approved and aulhorised for issue by the trustees on 21 July 2021 and signed
on their behaK by..
Mrs Sean McKibben - Chair
Mr Nick Bentley- Treasurer
The notes on pag8s Page 11 to Page 18 form part of these accounts.

RIPON YMCA
STATEMENT OF CASH FLOWS
YEAR ENDED 31 MARCH 2021
Note
2021
2020
Net Cash generated from operating activities
116A11
46,713
Cash flow from Investlng adlvltle$
Payments to acquire tangible fLxed assets
Interest received
142,0851
{106.128}
Nel cash flow from investing activities
42,085)
{106.1281
Net change in cash and cash equivalents
74,326
159,415>
Cash and cash equNalents at 31 March 2020
98,736
158,151
Cash and cash equivalents at 31 March 2021
173,062
98.736
N<>tes to the statement of eash flows
2021
2020
1. Net cash generated from oparating activities
Operating SUTplus for the year
66,663
37,878
Interest ￿ee￿i&d
Depreciation
Decreasellincreasel in debtors
(Decreaseifincrease in creditors
12.473
18.091)
45.366
11,744
4.078
16,9871
Net cash Ilow from operating activities
116.411
46.713

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
1. ACCOUNTING POLICIES
Statutory Inforniatlon
Ripon YMCA is a registered charity in England & Wales and registered with the housing association. The
registered address and place of business is 4 Water Skellgate, Ripon. North Yorkshire. HG4 1 BQ.
Basis of preparatlon
The financial statements have been prepared in accordance with applicable accounting standards including
Financial Reporting Standard 102 The Financial Reporting Standard AppliGable in the UK and Republic of
Ireland IFRS 1021, the Slatement of Recommended Practice for Social Housing Providers 2018, and with
the Accounting Direction for private r8gisteTed providers of social housing in England 2019. The financial
statements are also prepared under the requirements of the Housing and Regeneration Act 2008.
The financial statements have been prepared on a going con￿rn basis under the historical cost convention,
modified lo include certain items at fair value. The financial statements are prepared in sterling, which is
the functional currency of the charity.
The significant accounting policies applied in the preparation of these financial statemenls are set out below.
These policies have been consislenlly applied to all years presented unless otherwise slated. The
requirements of the SORP.. Accounting by Registered Social Housing Providers 2018 relating lo component
accounting has not been followed by the trustees as they do not feel that it would add any benefrt for the users
irf the accounts.
Golng ¢on¢ern
Since 31 March 2020, the consequences of the covid-19 pandemic have impacted the charity's income..
however, the majority of facilities remain open and il is expected that, at the present time, the effect on
operations will be minimal.
Tanglble ftxed assets and depreciation
ExpenditL¢re on fixed assets wsting more than £250 is Capitalised.
Freehold land is not depreciated. Depreciation of other assets is calculated lo wrrte off the excess of cost over
estimated residual evenly over their èX￿ctèd usafvl lives as follows subject to annu81 rèview..
Housing propety
Hall area
Housing furniture & equipment
Hall area improvements
Hall area fvrniture & equipment
2.170/0
Straight line
Straight line
Reducing balan
Reducing balan
Reducing balance
2510
1010
259
Tumover
All income is included in the statement of comprehensive income when the charity is legally entitled to the
income and the amount can be quantified with reasonable accuracy.

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
1. ACCOUNTING POLICIES (¢ontinuedl
Operatlng costs
Expenditure is included in the statement of comprehensive income on an accruals basis.
Pension
Ripon YMCA participated in a mulli-8mployer defined ben&fit pension plan for employees of YMCAS in
England, ScoUand and Wales, which was closed to new members and accrijals on 30 ApTiI 2007. Due lo
insufficient information, the plan's actuary has advised that il is not possible lo separately identify the assets
and liabilities relating lo Ripon YMCA.
As described in note 11 Ripon YMCA has a conlraclual obligation to make pension deficit payments of £3,023
per annum over the period to April 2027, accordingly this is shown as 8 liability in note 11 to these accounts.
In addition, Ripon YMCA is required to contribute £660 per anrtrum lo the operating expense
of the pension plan and these costs are charged to the statement of comprehensive income as made.
New members auto enrol into the NEST pension scheme. The costs are charged to the statement of
comprehensive income as incurred.
Fund accountlng
Unrestricted funds can be used in aceordanee with the charitsble objectives al the discretion of the trustees.
Restricted funds are reserved for specific projects as dictsted by the funder.
Deslgnated funds
Designated funds are part of unrestricted funds which have been earmarked by the board for a parbcular
purpose. Such designations may be reversed by future board decisions. Expenditure cannot be directly set
against designated reserves it can be taken through the income and expenditure account. A transfer is
then made from designated funds as appropriate.
Restrlcted funds
Restricted fijnds are subjected lo restrtclions on their expenditure imposed by the donor or through the terms
of an gppeal.
12

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
2. SOCIAL HOUSING TURNOVER AND COSTS
2021
2020
Social housing lettings
SeNiee charges receNable
Revenue grants receivable (JRSI
Restricted grants receivable
164,722
2,419
6,061
35,064
150,606
2,001
Total turnover from social housing lettings
208,266
152.607
Social housing activty expendf(ure
1181.2341
{150,471}
Operating surplus from social houging activities
27.032
2,136
3. OPERATING COSTS
Unrestricted Restricted
Totsl
Unrestricted
& total
2020
2021
2021
2021
Staff Costs
Facilities management
Adminislralion costs
Pension fund defjcil
88.117
61,804
14.548
1.193
11.426
20.661
1,148
99,543
82,465
15,696
1,193
78,339
55,108
15,908
1,116
165,662
33.235
198,897
150,471
Housing expènditure
Non-housing expenditure
165,662
15,572
17.663
181,234
17,663
150,471
165,662
33,235
198.897
150,471
Included in adminislrats'on costs is the independent examinatson fee of £1,500 (2020.. £4501.
13

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
4. STAFF COSTS
2021
2020
Wages and salaries
Social Security
Pension
Pension fund deficit
Other costs
92,038
2.953
1,708
1,193
2,844
71,950
2,417
1,249
1,116
2,723
Total staff costs
100,736
79,455
Average number of employees IFTEI
3.46
3.31
Average number of employees
There are no employees who re￿iVed more than £60,000 as their employee package.12020'. no employees)
5. TRUSTEES AND KEY MANAGEMENT PERSONNEL REMUNERATION
The lolal remuneration for key management personnel amounted lo £33,03912020.' £31,966).
The chief executive is a member of a workplace pension scheme- £77012020: £6901 in pension ContribUt￿onS
were made on behaff of Ihe chief executive.
14

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
6. TANGIBLE FIXED ASSErs
Housing Hall area
Freehold
Housing Hall Area fumiture &
improvo-
Land property
equlpment
ments
Hall area
furniture
& equip
Total
Costlvaluation
As at 31 March 2020
Additions
92,800
434,923
35,538
169.067
128,582
6,547
4,981
37,634
867,987
42.085
As al 31 March 2021
92,800
470,461
169,067
135.129
4,981
37,634
910,072
Depreclatlon
As at 31 March 2020
Depreciatk)n charge
57,451
4.792
27,673
958
109,997
6,283
4.323
36,139
374
235,583
12,473
As at 31 March 2021
62,243
28,631
116.280
4,389
36,513
248.056
Net Book Value
as at 31 March 2021
92.800
408,218
140,436
18,849
592
1,121
662,016
Net Book Valuo
as at 31 March 2020
92.800
377.472
141,394
18.585
658
1,495
632,404
7. DEBTORS AND PREPAYMENTS
2021
2020
Gross social housing rent owed
Other debtors
Prepayments
12.322
700
5,036
8,213
1,750
18,058
9,963
8. CREDITORS: AMOUNTS FALLING
DUE WITHIN ONE YEAR
2021
2020
Trade creditors
Other credrtors
(Xher taxatson and social security
Accruals
Pension deficit liability
Deferred incom8
16,354
3,311
140
867
2,580
3,030
3.416
6,197
3,114
28,775
note11
note 9
57.860
9.928
15

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
9. DEFERRED INCOME
Undèr
one year
Over one
year
Totsl
2021
Al 1 April 2020
Additions during the year
Amounts released to income
28,775
28,775
At 31 March 2021
28,775
28,775
The deferred income relates lo grants for fLtture period prqects.
10. CREDITORS: AMOUNTS FALLING DUE A￿ER ONE YEAR
2021
2020
Pension deficit liability
fK)te 11
15.867
18,429
11. PENSION COMMITMENT
Ripon YMCA parbcipated in a contributory pension plan Providing deffned benefits based on final pensionable
pay for employees of YMCAS England, Scotland and Wales. The assets of the YMCA Pension Plan are held
separately from those of Ripon YMCA and al the year-end these were invested in the Mercer Dynamic De-
risking Solub'on, 40,/0 matching portfolio and 600/0 in the growth portfolio and Schroder Ipropety units only).
The most recent wmpleled three year valuation was at April 2020. The assumptions used which have the
most significant effect on the results of the valuation are those relating to the assumed rates of return on
assets held before and after retirement of 2.590/0 and 1.09 % respectively. the increase in pensions in payment
of 2.99°/o (for RPI capped al 5 10 pal, and the average lrfe expectancy from nomial retirement age (of 65) for
8 Current male pensioner of 22.0 years. female 24.4 years. and 23.7 year for a male pensioner, female 26.1
years, retiring in 20 years time. The result of the valuation showed that the actuarial value of the assets was
£146.1 m. This represented 7910 of the benefits that had accrued to members.
The pension plan was closed lo new members and future service accrual with effect from 30 April 2007. With
the removal of the salary linkage for benefits. all employed deferred members became defetred members as
from 1 May 2011.
The valuation prepared as at 1 May 2020 showed that the YMCA Pension Plan had a deficit of £36 million.
Ripon YMCA has been advised that il will need lo make monthly contributions of £321.68 from 1 May 2021.
The amount is based on the current actuaria1 assumptions las outlined above) and may vary in the future as
a result of aclual performance of the pension plan. The current recovery period is 8 years commencing 1 May
2021.
rthin
Onè ToTwo
TwoTo Five
years
After FIVÈ
years
Total Aft8r
more tha
one year
Total
2021
As at 31 March 2021 3,114
3,121
9,364
3,382
15,867
18,981
As at 31 March 2020 3,030
3,030
9.091
6,308
18.429
21,459
16

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
11. PENSION COMMITMENT {contlnued}
In addition, Ripon YMCA may have over time liabilities in the event of the norb-payment by other participating
YMCAS of their share of the YMCA pension plan's deficit. It is not possible currently to quantify the potential
amount that Ripon YMCA may be called upon lo pay in the future.
12. ANALYSIS OF FUNDS
Balan￿ blfwd
1 April 2020
Balarkce ejfwd
31 March
2021
Income
Expenditure
Transfers
Unrestrfcted Funds
General Funds
Revaluation Reserve
Designated Funds..
Development Fund
485,656
197,090
204,574
165,662
15,777
(5,7501
540,345
191,340
30,000
500
30,500
Totsl Unrestricted Funds
712,746
204,574
165,662
10,527
762,185
Restricted Funds
Coronavirus Community fund
Tackling inequalities fund
Works foi you project fund
Tenant welfare fund
Community fund
CoronavinJ8 Community IT fund
Coronavirus Community YW fund
Rank Foundation Coronavirus rec fund
RCC small grants fund
NYCC grantfund
Co-op local community fund
9,800
3,964
6,500
2,600
500
2.000
14,750
17,000
2,294
909
11.0701
12401
6,436
2,815
6.500
2,600
500
1,140
14.370
9,023
1860}
1380}
17.977)
2,500
373
1,400
1,100
373
Total Restrlcted Funds
60.986
33,235 110,527)
17.224
Total Funds
712,746
265.560
198.897
779,409
General funds are the cumulative surplus and deficits net of other adjustments.
The revaluation reserve represented the cumulative effect of revaluation of tangible fixed assels.11 is the
difference between the net book value of the properties and the cost.
Designated funds
Development Fund- funds set aside to cover various capital projects planned.
Restrfded funds
Coronavirus Communty fund- funds receNed from Two Ridings Community Founijation for accredited
employability courses.
Tackling inequalities fund- funds received from North Yorkshire Sport for swrt and wellbeing aetDiiti&s for
tenants.
17

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
12. ANALYSIS OF FUNDS (continued)
Works for you project fund- funds re￿ived from Albert Hunt TTUSI, Sylvia and Colin Shepherd trust, Chatles
and Elsie Sykes trust for an employabilty project.
Tenant welfare fund- funds received frorn Two Ridings Communrty Foundation Coronavirus Community Fund,
Neighbourly Coronavirus Supwt fund and a private donor to provide tenant welfare packs whilst in lockdown.
Community fund- funds r8c8ived from Tèsco bags for lrfe. to support tènants in lockdown.
Coronavirus Community IT fund- funds receThied through Two Ridings Community Foundation for IT upgrade
for staff.
Coronavirijs Community fund- funds received through Two RKling Community Foundation for youth work
provision.
Rank Foundation Coronavirus rec fund - funds received from Rank Foundation for organisation support and
development for ￿CoVery from Coronavirus crisis.
RCC small grant fund- r8ceiv8d from Ripor7 City Council for bfanded goods and dothing for youth work
project.
NYCC grant fund- funds receNed from North Yorkshire County Council lor organisation development and
capacity building.
C04Jp local community fund-funds received from the Co-op for mentsl heaf(h courses for the Community.
The transfer for Rank Foundation Coronavirus recovery fynd is to covèr loss of incom8 and the other transfers
are towards room hire.
Balance blfwd
1 Apri12019
Balance cthd
31 March
2020
Income
Expenditure
Transfers
Unrestrlcted Funds
General Funds
Revaluation Reserve
Designated Funds..
Development Fund
472,800
202,068
188.349
150,471
125,0221
14,9781
485,656
197,090
30.000
30,000
Total Unrestricted Funds
674.868
188,349
150,471
712,746
Total Funds
674,868
188,349 150,471
712.746
18

RIPON YMCA
NOTES TO THE FINANCIAL STATEME￿￿5
YEAR ENDED 31 MARCH 2021
13. OTHER FINANCIAL COMMITMENTS
Al 31 March 2021 the charity had lolal commitments under nOrt-Can￿1lab1e operating leases..
2021
2020
Within one year
Within two to five years
Over five years
2,563
7.809
2.563
10.189
182
10,372
12,934
14. RELATED PARTY TRANSACTIONS
£4 is owing lo Rip)n YMCA CIO (2020 '. £nill
15. CONTINGENT LIABILITY
Ovèr the years the Housing Association has provided grants to help with the improvements to the sttial
hoijsing propety. If the properties were to be sold these grants would become repayable. These amount to
£311.943.

The following pages do not forrn part of thg financlal statements
20

RIPON YMCA
INCOME AND EXPENDITURE ACCOUNT
YEAR ENDED 31 MARCH 2021
2021
2020
Turnover
Lettings Inet of housing benefrt claims)
Other Income
Room hire
Fundraising and donations
YMCA shop profit shar8
Car parking
other income
Restricted grarTrts- housing
Restricted grants- non-housing
Coronavirus job retention scheme grant
167,141
152.607
5.556
26,280
3,241
212
453
26.432
3,924
194
758
35,064
25.922
6,061
265,560
188.349
Operating Costs
Staff costs
Salaries
Staff pension c(Ists
Staff expenses
Payroll and other costs
94,991
1,708
135
2,709
74,367
1,249
1,460
1,263
99,543
78,339
Facilities Management
Property repairs and decoration
Equipment and inspection costs
Equipment rentsl
Depreciation
Council lax
Gas and electricity
Water rates
Contract cleaners
Other lenanl costs
Restricted grants expenditure
16.541
3,225
2,189
12,473
11,051
9,011
1,867
5,131
7.228
13,749
6,448
3,880
2, 189
11,744
10,224
9,871
1,600
4, 161
4,991
82,465
55,108
Administration Costs
Printing and stationery
Advertising
Telephon8 and IT costs
Health and safety
Event costs
Sundries
Insuran
Bad debts and reserve
Accountancy f8es
Other legal and professional
270
268
3,148
217
36
1,924
407
1,820
401
4,557
223
4,270
3.799
450
2,185
6,829
15,696
15,908
Pension fund repayment scheme
1,193
1.116
Operatlng costs
198,897
150,471
Operatlng surplus
66.663
37,878
21

RIPON YOUNG MEN'S CHRISTIAN ASSOCIATION
{KNOWN AS RIPON YMCA)
FINANCIAL STATEMENTS
FOR THE YEAR ENDED
31 MARCH 2021
Charity Number 250986
iwp... reers Ilp

RIPON YMCA
INDEX
PAGE
TRUSTEES REPORT
INDEPENDENT EXAMINER'S REPORT
STATEMENT OF COMPREHENSIVE INCOME
STATEMENT OF CHANGES IN RESERVES
STATEMENT OF FINANCIAL POSITION
STATEMENT OF CASH FLOWS AND NOTES TO STATEMENT OF CASH FLOWS
10
NOTES TO THE FINANCIAL STATEMENTS
11-19
MANAGEMENT INFORMATION
20
Detailed ir¢come and expenditure account
21

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021
REFERENCE AND ADMINISTRATIVE INFORMATION
Charity Number
250986
Registered Addross
4-5 Water Skellgate
Ripon
North Yorkshire
HG4 IBQ
Patron
Jo Ropner LL
Trustees
President
Bemard Bateman MBE
Chairperson
Sean McKibben
Odette Robson
(resigned as Chair 3 June 20}
Treasurer
Nick Bentley
Vice Chair
Odette Robson
Kari Munro
(resigned as WI￿ Chair 3 June 20)
Additional trustees-
Kari Munro
Stephanie Benson
George Dickenson
Chris Taylor
Jo Thackwray
Rebecca Mian
Anthony Pitt
(appointed 29 April 201
{appoinled 24 March 21}
Stsff
Ch￿f Executive
Lucy Gratton
Fa￿lity Manager
Joanne Reidy
Housing Support Workers
Keely Smith
Emma Taylforth
Bev Scaife
Imogen Moore
Stephen Mossop
Holly Gadd
Senior Youth Worker
Finance Administrator
Facilities Worker
YoLrth Worker
Key Management Personnel
Lucy Gratton
Principal Bankers
HSBC plc
34 Westgate. Ripx)n, North Yorkshir8
Independent Examinar
Mr N Clemit ACA, FCCA
JWPCreers LLP, Chartered Accountants
Genesis 5, Church Lane
York, YOIO 5DQ

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021 CONTINUED
The trustee8 present their report and financial statements for the year ended 31 March 2021. The Injstees have
adopted the provisions of the Slalement of Recommended Practice ISORP} for Social Housing Providers 2018
and applicable accounting standards. Ihe details are set out further in the basic of preparation and accounting
policies on page 11.
Objèctives
The objects of the Association arise from its a¢￿ptance of the Paris Basis 1855 incorporated into the National
Statement ofthe Aims and Purposes of the YMCA in England. adopted 81 the National Assembly of the English
Yotjng Men's Christian Associations in the year 2003, namely..
"The YMCA is a Christian Movement which seeks to unite those who, regarding Jesus Christ as their God and
Saviour according to the Holy ScriplufrES, desire to he His disciples in their faith and in their life, and to
associate their efforts for the extension of His Kingdon7. It welcomes into rts fellowship persons of all relig￿￿8
faiths and of none-.
In accordance with ils Christian values the YMCA stands for..
A worldwide fellowship based on the equal value of 811 persons
Respect and freedom for all, tolerance and understanding between people of different opinions
Active concern for the needs of the community
United effort by Christians of drfferenl traditions
As the expression of ils Christian Purposes the YMCA aims to=
Provide a w8lcome to ils members for themselves in a meeting place which is theirs to share where
friendships can be mad8 and couns81 sought
Develop activities which stimulate and challenge members in an environment that enables them to
lake responsibility lo find a sense of achievement
Involve all members in the care and work for others
Create opportunities for exchanging views so thal members can improve their understanding of the
world, of themselves and of one another
Accordingly, the objects of the Association are=
To unite those who, regarding Jesus Christ as their God and Saviour according to the Holy
Scriptures, desire to be His disciples in their faith and in their life, and to associate their effotts for the
extension of His Kingdom.
To lead young people to the Lord Jesus Chrisl and lo fullness of life in Him.
To provide or assist in the provision in the interests of social weKare of facilities for recreation and
other leisure lime occupation for men and women with the object of improving their ¢onditions of life.
To provide or assist in the provision of education for persons of all ages with the object of developing
their physical, mental or spiritual capacities.
To relieve or assist in the relief of persons of all ages who are in conditions of need. hardship or
distress by reason of their social, physical or, economic circumstances.
To provide short lemi residential accommodation for persons of a11 ages who arg in wnditions of
need, hardship or distress by reason of their social, physical or economic circumstances.
12)
{31
{41
151
161
Housing Association
This consists of dwellings containing nineteen secure bedsits.
The Iruslees have due regard to the Charity Commission's guidance on public benefit, and ensure that the
activities of the organisalion meet those requirements.

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021 CONTINUED
ACHIEVEMENTS AND PERFORMANCE
The objects of Ripon YMCA are to provide youth and community work within the local area. This is achieved by
providing the following quality programme of work in:.
1. Supported housing for primarily young people aged 16-35.
2. Programmed projects lo develop life skills and employability.
3. Programmed youth work for young people.
The charity's management team have ¢ontinu8d lo build on its perfomian¢e last year to improve ils financial
base, to support necessary refurbishments, and solidify its position as a meaningful organisation providing
supported housing and seNices for young people in the community.
During the year the eharity were able to access a range of grants and funding from Trusts and Foundations.
Whilst these werè increasingly accessible during the Coronavirus Pandemic, they will form a key part ofthe work,
and tr￿Qme into the fvture.
During the year the charity developed a &year strategic plan the strategic goals identified are..
1. To provide good quality, safe and S￿Ure accommodation in Ripon. helping lo ensure the housing
needs of young people are appropriately met.
2. To provide our tenants with a Personalised Support Programme lo ensure they achieve their
potential.
3. To work with others to ensure young people in Ripon have access to services that support their
personal and social development, enabling them lo make infomied choices about their lives.
4. Extend our inflijence in order to raise awareness of youth homelessness and celebrate the positive
contribution of young people in our society
VALUE FOR MONEY METRICS
This Is a requirement of the Housing Association..
2021
2020
NHF.
Bu$lness Health
eratin
Mar
overall
eratin
Mar
in
social housin
EBITDA MRI 0/0 of interest cover
Develo
ment & Ca
acl
New Su
social housin
units %
New Supply- non-social housing
units °
Gearin
Out¢omes
Reinvestment O/•
Asset Mana
ernent
Return on Ca
ital Em
O eratin
Efficienc
Headline social housin
25°
13.10
20%
1°/o
220/0
240/0
196°/0
0°
00
27./0
16Yo
6°/0
ed
81.
50
39
cost
er unil
£9,539
£7.920
£4.023
'figures taken from NHF report 2020

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021 CONTINVED
FINANCIAL REVIEW
The charity has made an overall surplus of £66,66312020'. £37,878). The surplus was achieved through higher
than expècted occupancy. successful fundraising and cost management. It also includes project funding received
in 20121 that will continue to be delivered 21122. Staff costs were higher partty through a decision to invest in
our own capacity. Work continued during the year on the refurbishment of the house al 4 Water Skellgale which
is being developed for add(Éional onsite accommodation.
RESERVES POLICY
The trustees have designated £15,500 to large scale propety improvements.
The trustees have designated £15,000 to finan￿ our complex transition to an Incorporated Organisation and
the organisational development involved.
The total charity funds al the year-end were £779.409 {2020.. £712,746) which includes the revaluation reserve
of £191.340 12020.. £197,090). After removing the remairking fixed assets of £470,676 12020.. £435,314), the
designatèd fund of £30,500 12020.. £30,000) and the restricted grants of £17.22412020.' £nill this leaves free
reserves at £69,66912020.- £50,342).
The Iruslees have decided that free reserves should be maintained at a minimum of £70,000 representing six
months operating expenses.
STRUCTURE, GOVERNANCE AND MANAGEMENT
Ripon YMCA is re9islered with Ihe Housing Association (Number LH3651 } and is 8 registered charity INumber
250986}.
The charity adopted the model constitution of YMCA as amended 5 October 1981. 6 January 1989, 25 May 1994
and 25 May 2005.
A charitsble incorporated organisation (CIO- 11809121 has been registered in November2018 with the intention
to achieve limited liability slalus, a fomi that is better suited to the charity's development. Limited activity has
been recorded in the new charity as yel.11 is intended that, at some point in the future, the charity's assets and
liabilities will be transferred to this rbew orgarnisation.
The trustees have undertaken an assessment and confim)ed the chartys Complian￿ with the Governan￿ arkd
Financial Viability Standard.
The charty uses the essential trusteè and receives guidance from Community First Yorkshire, NCVO and YMCA
E & W for compliance and govemance. It has also started to ulilise the Trusted Charity Standard.
The Ripon YMCA Board of Trustees can elect up to 10 individuals as trustees. We have a Chairperson,
Treasurer and Vice Chairperson. Individuals who are known to the organisation or via professional networks
are recruited with a role description, application and vetting process. A basi¢ DBS is carried out and new
trustees have an induction process and are required to read The Essential Trustee. A skills audit of trustees
is carried out annually to ensure we are meeting the organisation needs. If gaps are identified we will actively
reeruil via our local infraslruclure organisalion, or facilities such as www.reachvolunteeri
.or

RIPON YMCA
TRUSTEES REPORT FOR THE YEAR ENDED 31 MARCH 2021 CONTINUED
Trust88's rèsponsibilities
The trustees are responsible for preparing the report and financial statements in accordan￿ with applicable
law and regulations.
The registered social housing legislation require the trustees to prepare financial statements for each financial
year which give a true and fair view of the slate of affairs of the charity and of ils income and expenditure for
that period.
In preparing the financial slalemenls the trustees are required to'.-
Select sui(abSe accounting policies and appty them consistently.
Make judgements and eslimales that are reasonable and prudent.
Stale whether applicable accounting standards have been fdlowed, subject to any material departures
disclosed and explained in the financial statements., and
Prepare the financial statements on a going concem basis unless rf( is inappropriate lo presume Ih8t the
charity will continue in business.
The trustees are responsible for keeping proper accounting records which disclose with reasonable accuratty at
any lime the financial position of the charity and lo enable it lo ensure that the financial slalemenls eomply with
the Housing and Regeneration A¢1 2008 and The Accounting Direction for private registered providers of socia5
houtsing in England 2019_ They have general responsibility for taking reasonable steps to safeguard the assets
of the charity and delect fraud and other irregularities.
Approved by the trustees on 21 July 2021 and signed on their behalf by:
Sean NAcKib
Chair

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF
RIPON YMCA
YEAR ENDED 31 MARCH 2021
I report to the charity trustees on my examination of the accounts of the charity for Ihe year ended 31 March
2021 which comprise the slalement of comprehensive income. statement of changes in funds, slalement of
financial position. ststemenl of cash flows and relevant notes.
Respective responslbllltles of the trustees and reporting accountants
The trust88s of th8 Registered Social Housing Provider are responsible for the preparation of the accounts,
and they consider that the Registered Social Housing Providèr is èxampl from an audit. It is our responsibility
lo carry out procedures designed to enable us to report our opinion.
Basls of oplnlon
Our procedures consisted of comparing the accounts with the accounting records kept by the Registered
Social Housing Provider and making such enquiries of the officers of the Registe￿d Social Housing Provider
as we considered necessary for the purpose of this report. These procedures provide the only assurance
expressed in our opinion.
Opinion
In our opinion..
the accounts for year ended 31 March 2021 are in accordance with the a￿OUntIng records kept by the
Registered Social Housing Provider under paragraph 135121{al of the Housing and Regeneration Act 2008.,
having regard only lo, and on the basis of the informallon contained in the accounting records..
the accounts comply with the r8quiremenls of the Charities Act 2011-
the Registered Social Housing Provider has satisfied the conditions for exemption from an audit of the
accounts for the year ended 31 March 2021 specified in section 136(31 of the Housing and
Regeneration Act 2008.
the accounts comply with the requirements of the Housing and Regeneration Act 2008 and the Accounting
Direction for private registered providers of social housing in England 2019.
CA
JWPCreers LLP
Chartered Accounlanls
Genesis 5
Church Lane
Heslinglon
York
Y010 5DQ
15 September 2021

RIPON YMCA
STATEMENT OF COMPREHENSIVE INCOME
YEAR ENDED 31 MARCH 2021
Unrestricted Restricted
Total
Total
Notè
2021
2021
2021
2020
Tumover
204.574
60,986 265.560 188,349
Operating costs
1165,6621 (33.2351 1198,89711150,4711
Operab'ng surplijs
38,912
27.751
66,663 37,878
Interest receivab58 and similar income
SLsrplus for the year on ordinary activities
38.912
27,751
66.663 37,878
Total comprehgnsive income for the year
38,912
27.751
66.663 37,878
The above figures are derived from continuing operations.
Approv8d by the trustees on 21 July 2021 and signed on their behalf by:
Sean McKibben- Chair
Nick Bentley- Treasurer

RIPON YMCA
STATEMENT OF CHANGES IN RESERVES
YEAR ENDED 31 MARCH 2021
Income and
Exp¢nditure
Deslgnated
Development
Fund
Rovaluatlon Restricted
Reserve
Funds
Total
As at 1 April 2020
485,656
30.000
197,090
712,746
Transfer
15,777
500
15.7S)I
{10.$271
Total comprehensive
income for the period
38,912
27,751
66,663
As al 31 March 2021
540,345
30.500
191.340
17,224
779,409
-2020-_____________-_---
Dèslgnated
Income and Development Revaluation
Expèndlture
Fund
Reserve
Total
As at 1 April 2019
472.800
202,068
674,868
Trarssfer
(25,0221
30.000
14.9781
Total comprehensive income for the period
37,878
37,878
As al 31 March 2020
485,656
30.000
197.090
712,746

RIPON YMCA
STATEMENT OF FINANCIAL POSITION
YEAR ENDED 31 MARCH 2021
Nole
2021
2020
Tangible Ilxed assets
662.016
632,404
Current assets
Debtors and prep8ymenls
Cagh at bank and in hand
18,058
173,062
9.963
98,736
191,120
108,699
Creditors.. Amounts falling due within one year
{57,8601
19,928}
Net current assets
133,260
98,771
Creditors.. amounts falling dye after one year
Defined benefit pension liability
10
115,8671
{18,429)
Total net assets
779,409
712.746
Reserves
Income and &xpenditure reserve
Designated development fund
Revaluation reserve
Restricted Funds
540,345
30,500
191,340
17,224
485,656
30,000
197.090
12
Total reserves
779,409
712,746
The financial statements were approved and aulhorised for issue by the trustees on 21 July 2021 and signed
on their behaK by..
Mrs Sean McKibben - Chair
Mr Nick Bentley- Treasurer
The notes on pag8s Page 11 to Page 18 form part of these accounts.

RIPON YMCA
STATEMENT OF CASH FLOWS
YEAR ENDED 31 MARCH 2021
Note
2021
2020
Net Cash generated from operating activities
116A11
46,713
Cash flow from Investlng adlvltle$
Payments to acquire tangible fLxed assets
Interest received
142,0851
{106.128}
Nel cash flow from investing activities
42,085)
{106.1281
Net change in cash and cash equivalents
74,326
159,415>
Cash and cash equNalents at 31 March 2020
98,736
158,151
Cash and cash equivalents at 31 March 2021
173,062
98.736
N<>tes to the statement of eash flows
2021
2020
1. Net cash generated from oparating activities
Operating SUTplus for the year
66,663
37,878
Interest ￿ee￿i&d
Depreciation
Decreasellincreasel in debtors
(Decreaseifincrease in creditors
12.473
18.091)
45.366
11,744
4.078
16,9871
Net cash Ilow from operating activities
116.411
46.713

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
1. ACCOUNTING POLICIES
Statutory Inforniatlon
Ripon YMCA is a registered charity in England & Wales and registered with the housing association. The
registered address and place of business is 4 Water Skellgate, Ripon. North Yorkshire. HG4 1 BQ.
Basis of preparatlon
The financial statements have been prepared in accordance with applicable accounting standards including
Financial Reporting Standard 102 The Financial Reporting Standard AppliGable in the UK and Republic of
Ireland IFRS 1021, the Slatement of Recommended Practice for Social Housing Providers 2018, and with
the Accounting Direction for private r8gisteTed providers of social housing in England 2019. The financial
statements are also prepared under the requirements of the Housing and Regeneration Act 2008.
The financial statements have been prepared on a going con￿rn basis under the historical cost convention,
modified lo include certain items at fair value. The financial statements are prepared in sterling, which is
the functional currency of the charity.
The significant accounting policies applied in the preparation of these financial statemenls are set out below.
These policies have been consislenlly applied to all years presented unless otherwise slated. The
requirements of the SORP.. Accounting by Registered Social Housing Providers 2018 relating lo component
accounting has not been followed by the trustees as they do not feel that it would add any benefrt for the users
irf the accounts.
Golng ¢on¢ern
Since 31 March 2020, the consequences of the covid-19 pandemic have impacted the charity's income..
however, the majority of facilities remain open and il is expected that, at the present time, the effect on
operations will be minimal.
Tanglble ftxed assets and depreciation
ExpenditL¢re on fixed assets wsting more than £250 is Capitalised.
Freehold land is not depreciated. Depreciation of other assets is calculated lo wrrte off the excess of cost over
estimated residual evenly over their èX￿ctèd usafvl lives as follows subject to annu81 rèview..
Housing propety
Hall area
Housing furniture & equipment
Hall area improvements
Hall area fvrniture & equipment
2.170/0
Straight line
Straight line
Reducing balan
Reducing balan
Reducing balance
2510
1010
259
Tumover
All income is included in the statement of comprehensive income when the charity is legally entitled to the
income and the amount can be quantified with reasonable accuracy.

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
1. ACCOUNTING POLICIES (¢ontinuedl
Operatlng costs
Expenditure is included in the statement of comprehensive income on an accruals basis.
Pension
Ripon YMCA participated in a mulli-8mployer defined ben&fit pension plan for employees of YMCAS in
England, ScoUand and Wales, which was closed to new members and accrijals on 30 ApTiI 2007. Due lo
insufficient information, the plan's actuary has advised that il is not possible lo separately identify the assets
and liabilities relating lo Ripon YMCA.
As described in note 11 Ripon YMCA has a conlraclual obligation to make pension deficit payments of £3,023
per annum over the period to April 2027, accordingly this is shown as 8 liability in note 11 to these accounts.
In addition, Ripon YMCA is required to contribute £660 per anrtrum lo the operating expense
of the pension plan and these costs are charged to the statement of comprehensive income as made.
New members auto enrol into the NEST pension scheme. The costs are charged to the statement of
comprehensive income as incurred.
Fund accountlng
Unrestricted funds can be used in aceordanee with the charitsble objectives al the discretion of the trustees.
Restricted funds are reserved for specific projects as dictsted by the funder.
Deslgnated funds
Designated funds are part of unrestricted funds which have been earmarked by the board for a parbcular
purpose. Such designations may be reversed by future board decisions. Expenditure cannot be directly set
against designated reserves it can be taken through the income and expenditure account. A transfer is
then made from designated funds as appropriate.
Restrlcted funds
Restricted fijnds are subjected lo restrtclions on their expenditure imposed by the donor or through the terms
of an gppeal.
12

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
2. SOCIAL HOUSING TURNOVER AND COSTS
2021
2020
Social housing lettings
SeNiee charges receNable
Revenue grants receivable (JRSI
Restricted grants receivable
164,722
2,419
6,061
35,064
150,606
2,001
Total turnover from social housing lettings
208,266
152.607
Social housing activty expendf(ure
1181.2341
{150,471}
Operating surplus from social houging activities
27.032
2,136
3. OPERATING COSTS
Unrestricted Restricted
Totsl
Unrestricted
& total
2020
2021
2021
2021
Staff Costs
Facilities management
Adminislralion costs
Pension fund defjcil
88.117
61,804
14.548
1.193
11.426
20.661
1,148
99,543
82,465
15,696
1,193
78,339
55,108
15,908
1,116
165,662
33.235
198,897
150,471
Housing expènditure
Non-housing expenditure
165,662
15,572
17.663
181,234
17,663
150,471
165,662
33,235
198.897
150,471
Included in adminislrats'on costs is the independent examinatson fee of £1,500 (2020.. £4501.
13

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
4. STAFF COSTS
2021
2020
Wages and salaries
Social Security
Pension
Pension fund deficit
Other costs
92,038
2.953
1,708
1,193
2,844
71,950
2,417
1,249
1,116
2,723
Total staff costs
100,736
79,455
Average number of employees IFTEI
3.46
3.31
Average number of employees
There are no employees who re￿iVed more than £60,000 as their employee package.12020'. no employees)
5. TRUSTEES AND KEY MANAGEMENT PERSONNEL REMUNERATION
The lolal remuneration for key management personnel amounted lo £33,03912020.' £31,966).
The chief executive is a member of a workplace pension scheme- £77012020: £6901 in pension ContribUt￿onS
were made on behaff of Ihe chief executive.
14

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
6. TANGIBLE FIXED ASSErs
Housing Hall area
Freehold
Housing Hall Area fumiture &
improvo-
Land property
equlpment
ments
Hall area
furniture
& equip
Total
Costlvaluation
As at 31 March 2020
Additions
92,800
434,923
35,538
169.067
128,582
6,547
4,981
37,634
867,987
42.085
As al 31 March 2021
92,800
470,461
169,067
135.129
4,981
37,634
910,072
Depreclatlon
As at 31 March 2020
Depreciatk)n charge
57,451
4.792
27,673
958
109,997
6,283
4.323
36,139
374
235,583
12,473
As at 31 March 2021
62,243
28,631
116.280
4,389
36,513
248.056
Net Book Value
as at 31 March 2021
92.800
408,218
140,436
18,849
592
1,121
662,016
Net Book Valuo
as at 31 March 2020
92.800
377.472
141,394
18.585
658
1,495
632,404
7. DEBTORS AND PREPAYMENTS
2021
2020
Gross social housing rent owed
Other debtors
Prepayments
12.322
700
5,036
8,213
1,750
18,058
9,963
8. CREDITORS: AMOUNTS FALLING
DUE WITHIN ONE YEAR
2021
2020
Trade creditors
Other credrtors
(Xher taxatson and social security
Accruals
Pension deficit liability
Deferred incom8
16,354
3,311
140
867
2,580
3,030
3.416
6,197
3,114
28,775
note11
note 9
57.860
9.928
15

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
9. DEFERRED INCOME
Undèr
one year
Over one
year
Totsl
2021
Al 1 April 2020
Additions during the year
Amounts released to income
28,775
28,775
At 31 March 2021
28,775
28,775
The deferred income relates lo grants for fLtture period prqects.
10. CREDITORS: AMOUNTS FALLING DUE A￿ER ONE YEAR
2021
2020
Pension deficit liability
fK)te 11
15.867
18,429
11. PENSION COMMITMENT
Ripon YMCA parbcipated in a contributory pension plan Providing deffned benefits based on final pensionable
pay for employees of YMCAS England, Scotland and Wales. The assets of the YMCA Pension Plan are held
separately from those of Ripon YMCA and al the year-end these were invested in the Mercer Dynamic De-
risking Solub'on, 40,/0 matching portfolio and 600/0 in the growth portfolio and Schroder Ipropety units only).
The most recent wmpleled three year valuation was at April 2020. The assumptions used which have the
most significant effect on the results of the valuation are those relating to the assumed rates of return on
assets held before and after retirement of 2.590/0 and 1.09 % respectively. the increase in pensions in payment
of 2.99°/o (for RPI capped al 5 10 pal, and the average lrfe expectancy from nomial retirement age (of 65) for
8 Current male pensioner of 22.0 years. female 24.4 years. and 23.7 year for a male pensioner, female 26.1
years, retiring in 20 years time. The result of the valuation showed that the actuarial value of the assets was
£146.1 m. This represented 7910 of the benefits that had accrued to members.
The pension plan was closed lo new members and future service accrual with effect from 30 April 2007. With
the removal of the salary linkage for benefits. all employed deferred members became defetred members as
from 1 May 2011.
The valuation prepared as at 1 May 2020 showed that the YMCA Pension Plan had a deficit of £36 million.
Ripon YMCA has been advised that il will need lo make monthly contributions of £321.68 from 1 May 2021.
The amount is based on the current actuaria1 assumptions las outlined above) and may vary in the future as
a result of aclual performance of the pension plan. The current recovery period is 8 years commencing 1 May
2021.
rthin
Onè ToTwo
TwoTo Five
years
After FIVÈ
years
Total Aft8r
more tha
one year
Total
2021
As at 31 March 2021 3,114
3,121
9,364
3,382
15,867
18,981
As at 31 March 2020 3,030
3,030
9.091
6,308
18.429
21,459
16

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
11. PENSION COMMITMENT {contlnued}
In addition, Ripon YMCA may have over time liabilities in the event of the norb-payment by other participating
YMCAS of their share of the YMCA pension plan's deficit. It is not possible currently to quantify the potential
amount that Ripon YMCA may be called upon lo pay in the future.
12. ANALYSIS OF FUNDS
Balan￿ blfwd
1 April 2020
Balarkce ejfwd
31 March
2021
Income
Expenditure
Transfers
Unrestrfcted Funds
General Funds
Revaluation Reserve
Designated Funds..
Development Fund
485,656
197,090
204,574
165,662
15,777
(5,7501
540,345
191,340
30,000
500
30,500
Totsl Unrestricted Funds
712,746
204,574
165,662
10,527
762,185
Restricted Funds
Coronavirus Community fund
Tackling inequalities fund
Works foi you project fund
Tenant welfare fund
Community fund
CoronavinJ8 Community IT fund
Coronavirus Community YW fund
Rank Foundation Coronavirus rec fund
RCC small grants fund
NYCC grantfund
Co-op local community fund
9,800
3,964
6,500
2,600
500
2.000
14,750
17,000
2,294
909
11.0701
12401
6,436
2,815
6.500
2,600
500
1,140
14.370
9,023
1860}
1380}
17.977)
2,500
373
1,400
1,100
373
Total Restrlcted Funds
60.986
33,235 110,527)
17.224
Total Funds
712,746
265.560
198.897
779,409
General funds are the cumulative surplus and deficits net of other adjustments.
The revaluation reserve represented the cumulative effect of revaluation of tangible fixed assels.11 is the
difference between the net book value of the properties and the cost.
Designated funds
Development Fund- funds set aside to cover various capital projects planned.
Restrfded funds
Coronavirus Communty fund- funds receNed from Two Ridings Community Founijation for accredited
employability courses.
Tackling inequalities fund- funds received from North Yorkshire Sport for swrt and wellbeing aetDiiti&s for
tenants.
17

RIPON YMCA
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2021
12. ANALYSIS OF FUNDS (continued)
Works for you project fund- funds re￿ived from Albert Hunt TTUSI, Sylvia and Colin Shepherd trust, Chatles
and Elsie Sykes trust for an employabilty project.
Tenant welfare fund- funds received frorn Two Ridings Communrty Foundation Coronavirus Community Fund,
Neighbourly Coronavirus Supwt fund and a private donor to provide tenant welfare packs whilst in lockdown.
Community fund- funds r8c8ived from Tèsco bags for lrfe. to support tènants in lockdown.
Coronavirus Community IT fund- funds receThied through Two Ridings Community Foundation for IT upgrade
for staff.
Coronavirijs Community fund- funds received through Two RKling Community Foundation for youth work
provision.
Rank Foundation Coronavirus rec fund - funds received from Rank Foundation for organisation support and
development for ￿CoVery from Coronavirus crisis.
RCC small grant fund- r8ceiv8d from Ripor7 City Council for bfanded goods and dothing for youth work
project.
NYCC grant fund- funds receNed from North Yorkshire County Council lor organisation development and
capacity building.
C04Jp local community fund-funds received from the Co-op for mentsl heaf(h courses for the Community.
The transfer for Rank Foundation Coronavirus recovery fynd is to covèr loss of incom8 and the other transfers
are towards room hire.
Balance blfwd
1 Apri12019
Balance cthd
31 March
2020
Income
Expenditure
Transfers
Unrestrlcted Funds
General Funds
Revaluation Reserve
Designated Funds..
Development Fund
472,800
202,068
188.349
150,471
125,0221
14,9781
485,656
197,090
30.000
30,000
Total Unrestricted Funds
674.868
188,349
150,471
712,746
Total Funds
674,868
188,349 150,471
712.746
18

RIPON YMCA
NOTES TO THE FINANCIAL STATEME￿￿5
YEAR ENDED 31 MARCH 2021
13. OTHER FINANCIAL COMMITMENTS
Al 31 March 2021 the charity had lolal commitments under nOrt-Can￿1lab1e operating leases..
2021
2020
Within one year
Within two to five years
Over five years
2,563
7.809
2.563
10.189
182
10,372
12,934
14. RELATED PARTY TRANSACTIONS
£4 is owing lo Rip)n YMCA CIO (2020 '. £nill
15. CONTINGENT LIABILITY
Ovèr the years the Housing Association has provided grants to help with the improvements to the sttial
hoijsing propety. If the properties were to be sold these grants would become repayable. These amount to
£311.943.

The following pages do not forrn part of thg financlal statements
20

RIPON YMCA
INCOME AND EXPENDITURE ACCOUNT
YEAR ENDED 31 MARCH 2021
2021
2020
Turnover
Lettings Inet of housing benefrt claims)
Other Income
Room hire
Fundraising and donations
YMCA shop profit shar8
Car parking
other income
Restricted grarTrts- housing
Restricted grants- non-housing
Coronavirus job retention scheme grant
167,141
152.607
5.556
26,280
3,241
212
453
26.432
3,924
194
758
35,064
25.922
6,061
265,560
188.349
Operating Costs
Staff costs
Salaries
Staff pension c(Ists
Staff expenses
Payroll and other costs
94,991
1,708
135
2,709
74,367
1,249
1,460
1,263
99,543
78,339
Facilities Management
Property repairs and decoration
Equipment and inspection costs
Equipment rentsl
Depreciation
Council lax
Gas and electricity
Water rates
Contract cleaners
Other lenanl costs
Restricted grants expenditure
16.541
3,225
2,189
12,473
11,051
9,011
1,867
5,131
7.228
13,749
6,448
3,880
2, 189
11,744
10,224
9,871
1,600
4, 161
4,991
82,465
55,108
Administration Costs
Printing and stationery
Advertising
Telephon8 and IT costs
Health and safety
Event costs
Sundries
Insuran
Bad debts and reserve
Accountancy f8es
Other legal and professional
270
268
3,148
217
36
1,924
407
1,820
401
4,557
223
4,270
3.799
450
2,185
6,829
15,696
15,908
Pension fund repayment scheme
1,193
1.116
Operatlng costs
198,897
150,471
Operatlng surplus
66.663
37,878
21