Elizabeth McGowanTuxedo Teachers Assoc Benefit Tr (EIN 061394513) - 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

1994

Legal Domicile

Principal Officer

Elizabeth McGowan

Phone

8453514786

Tax Period

2025-01-01 to 2025-12-31

Elizabeth McGowanTuxedo Teachers Assoc Benefit Tr, founded in 1994, is a micro nonprofit that reported $86K in total revenue in fiscal year 2025. Revenue fell 47% from the prior year — a significant decline worth monitoring. Expenses of $125K exceeded revenue, resulting in a 45% operating deficit.

Mission

The fund was established to provide benefits for all employees of the Tuxedo UFSD The B of Ed contributes a specific amount per employee

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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 $86,233

Investment Income $0

Other Revenue $0

TOTAL REVENUE $86,233

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,350

Fundraising Expenses $0

Program Expenses $124,839

Other Expenses $1,550

TOTAL EXPENSES $124,839

Year-over-Year Comparison

	2025	2024	Change
Revenue	$86,233	$163,089	-0.5%
Expenses	$124,839	$120,480	+0.0%
Net Income	$-38,606	$42,609	-1.9%

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

$1,350

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH MCGOWAN	Trustee	1.00	Director	$900	$0	$900
STEPHANIE BUSSARD	Trustee	1.00	Director	$450	$0	$450
CLAYTON CHAN	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	$86,233	$124,839	$101,479	$-38,606
2023	$125,674	$111,651	$97,476	$14,023
2022	$141,340	$105,210	$83,453	$36,130
2021	$126,908	$99,638	$47,323	$27,270

Elizabeth McGowanTuxedo Teachers Assoc Benefit Tr