2026 Annual Report

The Lifelong Benefit of Doing Good

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What Drives Us

Mission, Vision and Promise

Our Mission

To partner with YMCAs to help those who serve others build a foundation for financial security in retirement.

Our Vision

To help generations of YMCA employees approach the future with anticipation and confidence.

Our Promise

To pay retirement benefits to Y retirees on time, in full, and forever.

Continued Partnership

Message from the President and CEO

Strengthening Engagement

Report from the COO and CAO

Steady Stewardship

Report from the CIO

Financial Data and Participant Statistics

Fiscal Years Ending June 30, 2026

Investment Portfolio Returns

Long-term Results Exceed 6%+ Return Objective

Funding Level

Consistent Growth Since FY 2022

Plan Contributions

Total Contributions Increased More than 5% in FY 2026

People Served

Strong Participant Growth Over the Past 4 Fiscal Years

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Success Stories

What YMCA Employees Are Saying

Real stories from real people building their retirement dreams

Early in my time with the Y, I was encouraged to contribute to my 403(b) account, but never thought I had "extra" money to do so. Throughout my 45-year career, I started contributing a small amount, watched my money grow, and found Y Retirement to be a steady beacon—proof that the beauty of compounding interest is both a miracle and a blessing.

RosanaRetiree, California

Y Retirement was more than an employee benefit—it was an investment in my future. Now, as a retiree, I have the confidence of knowing that my retirement income will be there month after month, allowing me to enjoy the life I worked hard to build.

FrancieneRetiree, Missouri

The thing I love about Y Retirement is that while I am supporting and creating an environment for growth and development as a YMCA leader, Y Retirement has been supporting me in creating an environment where I can peacefully and confidently enter my next chapter.

WadeParticipant, Iowa

I am so thankful for Y Retirement. It has allowed me to have a job that does good in the community and provide for my future. Throughout the years, I saved hoping to be able to retire early, and soon that will be a financial reality! The most exciting thing: knowing I am secure throughout the rest of my life!

LibbyParticipant, Arizona

One of the important things I looked for as I started my career was long-term financial security. The vesting schedule, the contributions, and annuity provide something I couldn't get anywhere else. While I enjoy what I do, I look forward to the security of knowing that I can afford to retire when I am ready.

CarolParticipant, Florida