CHAPPAQUA CONGRESS OF TEACHERS BENEFIT FUND (EIN 061106783) - 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

1984

Legal Domicile

Principal Officer

JEFFERY KNISELY

Phone

9144193393

Tax Period

2024-07-01 to 2025-06-30

CHAPPAQUA CONGRESS OF TEACHERS BENEFIT FUND, founded in 1984, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2024. Expenses of $1.2M left a modest 14% surplus.

Mission

DENTAL AND VISION BENEFITS PAID TO REIMBURSE EMPLOYEES OF THE CHAPPAQUA SCHOOL DISTRICT

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,392,827

Investment Income $37,541

Other Revenue $0

TOTAL REVENUE $1,430,368

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,199,384

Other Expenses $196,710

TOTAL EXPENSES $1,232,856

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,430,368	$1,331,708	+0.1%
Expenses	$1,232,856	$1,057,845	+0.2%
Net Income	$197,512	$273,863	-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

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

$20,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFFERY KNISELY	CHAIRPERSON	1.30	Director	$3,600	$0	$3,600
ANDREAS STURM	TRUSTEE	0.50	Director	$2,600	$0	$2,600
LISA RIBUSHOFSKI	TRUSTEE	0.50	Director	$2,600	$0	$2,600
GINA SERAFIN	TRUSTEE	0.50	Director	$2,600	$0	$2,600
CHARLES BUCHANAN	TRUSTEE	0.50	Director	$2,600	$0	$2,600
ELLEN PINCUS	TRUSTEE	0.50	Director	$2,600	$0	$2,600
BRIAN PETRUSO	TRUSTEE	0.50	Director	$2,600	$0	$2,600
RAY LUCIA	TRUSTEE	0.50	Director	$500	$0	$500
MICHAEL DAY	TRUSTEE	0.50	Director	$500	$0	$500

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	$1,430,368	$1,232,856	$1,392,668	$197,512
2024	$1,331,708	$1,057,845	$1,428,178	$273,863
2023	$1,303,067	$1,060,735	$909,220	$242,332
2022	$1,272,782	$1,035,812	$720,434	$236,970
2021	$1,110,456	$1,204,129	$366,474	$-93,673
2020	$1,146,111	$1,055,034	$370,633	$91,077
2020	$1,142,362	$1,085,670	$336,248	$56,692
2019	$1,102,033	$1,232,761	$300,472	$-130,728
2019	$1,102,033	$1,232,761	$300,472	$-130,728
2018	$1,091,566	$1,206,794	$479,736	$-115,228
2018	$1,191,566	$1,306,795	$479,735	$-115,229
2018	$1,191,566	$1,306,795	$479,735	$-115,229

CHAPPAQUA CONGRESS OF TEACHERS BENEFIT FUND