SOCIETA MARIA SS DEL MONTE CARMELO BUILDING ASSOCI (EIN 060540672) - 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

1926

Legal Domicile

Principal Officer

FRANK TROIANO

Phone

8607458856

Tax Period

2025-01-01 to 2025-12-31

SOCIETA MARIA SS DEL MONTE CARMELO BUILDING ASSOCI, founded in 1926, is a micro nonprofit that reported $58K in total revenue in fiscal year 2025. Revenue fell 27% from the prior year — a significant decline worth monitoring. Expenses of $108K exceeded revenue, resulting in a 86% operating deficit.

Mission

MONTE CARMELO PROVIDES ASSISTANCE TO NEEDY CITIZENS, ALLOWS LOCAL NON-POFITS TO USE ITS FACILITIES, DONATES MONEY TO NON-PROFIT ORGANIZATIONS AND REINVESTS ANY CASH AFTER OPERATING EXPENSES IN ITS OWN 501(C)(4) ACTIVITIES AND TAX EXEMPT PURPOSES.

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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 $2,605

Program Service Revenue $34,090

Investment Income $20,058

Other Revenue $1,433

TOTAL REVENUE $58,186

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $108,305

Other Expenses $108,305

TOTAL EXPENSES $108,305

Year-over-Year Comparison

	2025	2024	Change
Revenue	$58,186	$79,958	-0.3%
Expenses	$108,305	$73,424	+0.5%
Net Income	$-50,119	$6,534	-8.7%

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
FRANK TROIANO	TREASURER	10.00	Officer Director	$0	$0	$0
CARL SFERRAZZA	PRESIDENT	10.00	Officer Director	$0	$0	$0
FRANK VESCE	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
CHARLES PALOMBA	SECRETARY	3.00	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	$58,186	$108,305	$1,156,874	$-50,119
2024	$79,958	$73,424	$1,206,993	$6,534
2023	$-35,205	No data	$1,206,338	No data
2022	$101,451	$102,150	$1,113,172	$-699
2021	$12,575	$44,341	$1,149,433	$-31,766
2020	$11,562	$55,709	$1,185,732	$-44,147
2019	$120,852	$105,920	$1,078,378	$14,932
2018	$73,669	$91,699	$1,064,653	$-18,030

SOCIETA MARIA SS DEL MONTE CARMELO BUILDING ASSOCI