LOCAL NO 5 MUNCIPAL EMPLOYEES BENEFIT TRUST FUND (EIN 112567086) - 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

1985

Legal Domicile

Principal Officer

THOMAS RYAN

Phone

7183564900

Tax Period

2025-01-01 to 2025-12-31

LOCAL NO 5 MUNCIPAL EMPLOYEES BENEFIT TRUST FUND, founded in 1985, is a small nonprofit that reported $349K in total revenue in fiscal year 2025. The organization ran a surplus of $155K, a strong 44% operating margin.

Mission

TO PAY SUPPLEMENTAL MEDICAL BENEFITS TO MEMBERS OF THE COLLECTIVE BARGAINING UNIT - NEW YORK CITY MUNICIPAL WORKERS COVERED UNDER THEIR CBA WITH THE LOCAL

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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 $119,169

Investment Income $229,465

Other Revenue $0

TOTAL REVENUE $348,634

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $193,609

Other Expenses $34,926

TOTAL EXPENSES $193,609

Year-over-Year Comparison

	2025	2024	Change
Revenue	$348,634	$324,264	+0.1%
Expenses	$193,609	$167,176	+0.2%
Net Income	$155,025	$157,088	0.0%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS RYAN	TRUSTEE	002.50	Director	$0	$0	$0
KEVIN O'BRIEN	TRUSTEE	001.00	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	$348,634	$193,609	$2,343,603	$155,025
2024	No data	No data	No data	No data
2023	$370,483	$160,717	$2,025,437	$209,766
2022	$224,161	$98,406	$1,815,671	$125,755
2021	$397,262	$143,597	$2,094,325	$253,665
2020	$309,769	$154,259	$1,833,060	$155,510
2019	$391,390	$169,619	$1,687,650	$221,771
2018	$95,356	$140,960	$1,438,525	$-45,604

LOCAL NO 5 MUNCIPAL EMPLOYEES BENEFIT TRUST FUND