GREATER BPT RETIRED TEACHERS ASSOC

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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

1961

Legal Domicile

Tax Period

2023-07-01 to 2024-06-30

GREATER BPT RETIRED TEACHERS ASSOC, founded in 1961, is a micro nonprofit that reported $41K in total revenue in fiscal year 2023. Revenue fell 49% from the prior year — a significant decline worth monitoring. Expenses of $35K left a modest 14% surplus.

Mission

THE ORGANIZTION PROVIDES EDUCATIONAL, CULTURAL AND SOCIAL ACTIVITIES FOR RETIRED EDUCATORS. IT ALSO PROVIDES ASSISTANCE TO RETIRED TEACHERS IN NEED. SCHOLARSHIPS ARE AWARDED TO LOCAL HIGH SCHOOL GRADUATES PURSUING A CAREER IN TEACHING.

Program Service Accomplishments

Program 1

Expenses: $33,212 Revenue: $16,526

THE ORGANIZATION AWARDED SCHOLARSHIPS OF $1,000 EACH TO 16 GRADUATING SENIORS. THE ORGANIZATION PUBLISHES A NEWSLETTER AND HOSTED VIDEO CONFERENCES TO PROVIDE ITS MEMBERSHIP WITH CURRENT INFORMATION RELATED TO PENSION AND INSURANCE BENEFITS. IT ALSO PROVIDES UPDATES ON ANY OTHER PERTINENT ISSUES RELATED TO RETIRED TEACHERS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $16,526

Program Service Revenue $0

Investment Income $23,752

Other Revenue $675

TOTAL REVENUE $40,953

Expense Breakdown

Grants Paid $16,300

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $33,212

Other Expenses $19,043

TOTAL EXPENSES $35,343

Year-over-Year Comparison

	2023	2022	Change
Revenue	$40,953	$80,168	-0.5%
Expenses	$35,343	$34,787	+0.0%
Net Income	$5,610	$45,381	-0.9%

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

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	Role	Reportable Comp	Other Comp	Total
PAT DECOSTER	FIRST VICE PRESIDENT	Officer	$0	$0	$0
ROSE MARIE DAQUILA	SECOND VICE PRESIDENT	Officer	$0	$0	$0
SHEENA GRAHAM	RECORDING SERETARY	Officer	$0	$0	$0
MARY ELLEN MINICHIELLO	PRESIDENT	Officer	$0	$0	$0
ROSEMARY SEAMAN	TREASURER	Officer	$0	$0	$0
DEBORAH MCNEILL	CORRESPONDING SECRETARY	Officer	$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	No data	No data	No data	No data
2024	$40,953	$35,343	$665,821	$5,610
2023	$80,168	$34,787	$617,764	$45,381
2022	$52,866	$28,449	$585,926	$24,417
2021	$30,679	$21,779	$676,515	$8,900
2021	$30,679	$21,779	$676,515	$8,900