PUTNAM VALLEY FEDERATION OF TEACHERS WELFARE TRUST FUND (EIN 061288615) - 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

1991

Legal Domicile

Principal Officer

KERRI JOHN

Phone

2039493230

Tax Period

2024-07-01 to 2025-06-30

PUTNAM VALLEY FEDERATION OF TEACHERS WELFARE TRUST FUND, founded in 1991, is a small nonprofit that reported $651K in total revenue in fiscal year 2024. Expenses of $586K left a modest 10% surplus.

Mission

TO PROVIDE DENTAL AND VISION BENEFITS TO MEMBERS AND THEIR DEPENDENTS.

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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 $641,003

Investment Income $9,686

Other Revenue $0

TOTAL REVENUE $650,689

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,500

Fundraising Expenses $0

Program Expenses $552,534

Other Expenses $61,760

TOTAL EXPENSES $585,958

Year-over-Year Comparison

	2024	2023	Change
Revenue	$650,689	$637,196	+0.0%
Expenses	$585,958	$548,461	+0.1%
Net Income	$64,731	$88,735	-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

$4,000

Total Directors

$8,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH MAHONEY	CHAIRPERSON	2.00	Officer Director	$2,000	$0	$2,000
LAURA SHERWOOD	DATA ADMINISTRATOR	1.00	Director	$2,000	$0	$2,000
VINCENT DEGREGORIO	SECRETARY	1.00	Officer Director	$2,000	$0	$2,000
KAREN WEISE	TRUSTEE	1.00	Director	$1,250	$0	$1,250
KERRI JOHN	TRUSTEE	1.00	Director	$1,250	$0	$1,250
NICHOLAS LENHARD	TRUSTEE	1.00	Director	$0	$0	$0
VALERIE MANSFIELD	TRUSTEE	1.00	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	$650,689	$585,958	$1,015,767	$64,731
2024	No data	No data	No data	No data
2023	$624,732	$566,707	$845,927	$58,025
2022	$623,087	$575,942	$801,708	$47,145
2021	$617,830	$528,584	$757,815	$89,246
2020	$617,689	$455,636	$682,951	$162,053
2019	$619,221	$541,580	$471,086	$77,641
2018	$591,496	$528,081	$397,604	$63,415

PUTNAM VALLEY FEDERATION OF TEACHERS WELFARE TRUST FUND