NORTHERN NEW ENGLAND SCHOOL OF BANKING (EIN 010477533) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1953

Phone

8022290341

Tax Period

2024-01-01 to 2024-12-31

NORTHERN NEW ENGLAND SCHOOL OF BANKING is a 501(c)(3) with EIN 010477533, based in MONTPELIER, VT. Founded in 1953, the organization files IRS Form 990 and reported its most recent data for fiscal year 2024. In that period, it reported $205,121 in total revenue and $203,010 in total expenses, with net assets of $104,727.

Mission

THE ORGANIZATION WAS DEVELOPED TO OFFER A PROGRAM ON CURRENT ISSUES IN BANKING. THE MISSION HAS EVOLVED WITH AN EMPHASIS IN GENERAL BANKING GEARED TO SUPERVISORS AND JUNIOR OFFICERS AND IT IS CONSIDERED A STEPPING STONE TO THE STONIER GRADUATE SCHOOL OF BANKING.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $203,975

Investment Income $1,146

Other Revenue $0

TOTAL REVENUE $205,121

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $201,560

Other Expenses $203,010

TOTAL EXPENSES $203,010

Year-over-Year Comparison

	2024	2023	Change
Revenue	$205,121	$189,361	+0.1%
Expenses	$203,010	$187,731	+0.1%
Net Income	$2,111	$1,630	+0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER D'ELIA	Registrar	1.50	Officer	$0	$0	$0
MELODEE STEARNS	Trustee	0.10		$0	$0	$0
DAVID PEASE	Trustee	0.10		$0	$0	$0
MIKE MOLONEY	Trustee	0.10		$0	$0	$0
KRISTY MERRILL	STATE EXECUTIVE	0.10	Officer	$0	$0	$0
DAVID CRONIN	Trustee	0.10		$0	$0	$0
SCOTT YOUNG	Chair	0.10	Officer	$0	$0	$0
LISA BYARS	Trustee	0.10		$0	$0	$0
MELISSA GREENE	Trustee	0.10		$0	$0	$0
JIM ROCHE	STATE EXECUTIVE	0.10	Officer	$0	$0	$0
KELLY ANDREWS	Trustee	0.10		$0	$0	$0
HEATHER JEROME	Trustee	0.10		$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$205,121	$203,010	$104,727	$2,111

NORTHERN NEW ENGLAND SCHOOL OF BANKING