VERMONT BANKERS ASSOCIATION INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1909

Legal Domicile

Principal Officer

CHRISTOPHER D'ELIA

Phone

8022290341

Tax Period

2023-07-01 to 2024-06-30

VERMONT BANKERS ASSOCIATION INC, founded in 1909, is a small nonprofit that reported $465K in total revenue in fiscal year 2023.

Mission

To promote an environment which fosters a vibrant banking community, thus supporting a prosperous Vermont economy.

Program Service Accomplishments

Program 1

Conducted educational seminars and meetings for members' employees.

Program 2

Monitored legislative activity of interest to members

Program 3

Provided administrative support to other organizations which support the interests of banking in Vermont.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $443,703

Investment Income $21,359

Other Revenue $0

TOTAL REVENUE $465,062

Expense Breakdown

Grants Paid $0

Salaries & Benefits $369,281

Fundraising Expenses $0

Other Expenses $82,889

TOTAL EXPENSES $452,170

Year-over-Year Comparison

	2023	2022	Change
Revenue	$465,062	$471,000	0.0%
Expenses	$452,170	$436,277	+0.0%
Net Income	$12,892	$34,723	-0.6%

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

Volunteers

N/A

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

$341,615

Total Directors

$242,159

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER D'ELIA	President	40.00	Officer Director	$184,490	$57,669	$242,159
JUNE HIBBS FORMER	CORP SECRETARY	40.00	Officer	$65,690	$33,766	$99,456
STEVE KENDALL	2ND VICE CHAIR	0.30	Officer Director	$0	$0	$0
DAN WERME	Director	0.30	Director	$0	$0	$0
JAMES BROWN	Director	0.30	Director	$0	$0	$0
JAMES KISCH	Past Chair	0.30	Director	$0	$0	$0
BRYAN YOUNG	Past Chair	0.30	Director	$0	$0	$0
CAROLINE CARPENTER	Director	0.30	Director	$0	$0	$0
CHERYL LAFRANCE	1ST VICE CHAIR	0.30	Officer Director	$0	$0	$0
BRUCE BERNIER	Director	0.30	Director	$0	$0	$0
CLAYTON ADAMS	CHAIR	0.30	Officer Director	$0	$0	$0
REBECCA KILIAN	CORP SECRETARY	40.00	Officer	$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
2025	No data	No data	No data	No data
2024	$465,062	$452,170	$405,861	$12,892
2023	$471,000	$436,277	$383,180	$34,723
2022	$475,755	$447,565	$455,514	$28,190
2021	$461,921	$399,550	$409,568	$62,371
2020	$409,524	$449,115	$389,629	$-39,591
2019	$529,612	$408,600	$393,377	$121,012