NORTH RIVER COLLABORATIVE OTHER POST-EMPLOY BENEFITS LIAB TR FD (EIN 043560815) - Form 990 Financial Analysis & Trantor Score

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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

2000

Legal Domicile

Principal Officer

ARTHUR SULLIVAN

Phone

7818786056

Tax Period

2025-01-01 to 2025-12-31

NORTH RIVER COLLABORATIVE OTHER POST-EMPLOY BENEFITS LIAB TR FD, founded in 2000, is a small nonprofit in the Mutual Benefit sector that reported $686K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $398K, a strong 58% operating margin.

Mission

SOLE PURPOSE OF TRUST IS TO PAY SOME PORTION OF THE HEALTH INSURANCE PREMIUM FOR CURRENT AND FUTURE ELIGIBLE RETIRED EMPLOYEES OF THE NORTH RIVER COLLABORATIVE (ELIGIBLE RETIREES). THESE ELIGIBLE RETIREES WILL BE ENROLLED IN THE RETIREES' HEALTH INSURANCE PLAN OFFERED BY THEIR FORMER EMPLOYER, THE NORTH RIVER COLLABORATIVE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $288,734

Investment Income $397,208

Other Revenue $0

TOTAL REVENUE $685,942

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $260,247

Other Expenses $27,354

TOTAL EXPENSES $287,601

Year-over-Year Comparison

	2025	2024	Change
Revenue	$685,942	$585,782	+0.2%
Expenses	$287,601	$201,329	+0.4%
Net Income	$398,341	$384,453	+0.0%

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

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARTHUR SULLIVAN	TRUSTEE/TREA	2.00	Officer Director	$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	$685,942	$287,601	$4,217,760	$398,341
2024	$585,782	$201,329	$3,769,692	$384,453
2023	$391,566	$185,930	$3,344,704	$205,636
2022	$473,565	$176,000	$2,896,807	$297,565
2021	$551,935	$154,714	$3,054,701	$397,221
2020	$361,032	$132,976	$2,519,013	$228,056
2019	$334,261	$139,712	$2,181,824	$194,549
2018	$260,000	$138,116	$1,716,794	$121,884

NORTH RIVER COLLABORATIVE OTHER POST-EMPLOY BENEFITS LIAB TR FD