CROTON TEACHERS ASSOC BENEFIT TRUST FUND (EIN 066260375) - 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

LEW STRUMPF

Phone

8455263240

Tax Period

2022-07-01 to 2023-06-30

CROTON TEACHERS ASSOC BENEFIT TRUST FUND, founded in 1984, is a small nonprofit that reported $483K in total revenue in fiscal year 2022. Expenses of $431K left a modest 11% surplus.

Mission

TO PROVIDE BENEFITS & INSURANCE TO MEMBERS

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $483,433

Investment Income $0

Other Revenue $25

TOTAL REVENUE $483,458

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,872

Fundraising Expenses $0

Program Expenses $430,653

Other Expenses $38,524

TOTAL EXPENSES $430,653

Year-over-Year Comparison

	2022	2021	Change
Revenue	$483,458	$463,174	+0.0%
Expenses	$430,653	$400,804	+0.1%
Net Income	$52,805	$62,370	-0.2%

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

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

$5,872

Total Directors

$5,872

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEWIS STRUMPF	CHAIRMAN	10.00	Officer Director	$2,930	$0	$2,930
LISA SABLE DWYER	TREASURER	10.00	Officer Director	$1,175	$0	$1,175
RENOIR MCMANUS	RECORDING SECRETARY	10.00	Officer Director	$589	$0	$589
RAYMOND FERRARA	ARCHIVIST	10.00	Officer Director	$589	$0	$589
JOCELYN FONTANA	CORRESPONDING SECRETARY	10.00	Officer Director	$589	$0	$589

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	No data	No data	No data	No data
2023	$483,458	$430,653	$605,756	$52,805
2022	$463,174	$400,804	$608,657	$62,370
2021	$451,060	$348,210	$393,811	$102,850
2020	$413,447	$305,315	$323,307	$108,132
2019	$391,212	$391,007	$152,998	$205

CROTON TEACHERS ASSOC BENEFIT TRUST FUND