UNITED TEACHERS OF SEAFORD TRUST FUND (EIN 112764682) - 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

1980

Legal Domicile

Principal Officer

CHELSEA BIANCO

Phone

5165924332

Tax Period

2022-07-01 to 2023-06-30

UNITED TEACHERS OF SEAFORD TRUST FUND, founded in 1980, is a small nonprofit that reported $302K in total revenue in fiscal year 2022. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $273K left a modest 9% surplus.

Mission

PROVIDE SUPPLEMENTAL HEALTH BENEFITS

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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 $291,372

Investment Income $10,381

Other Revenue $0

TOTAL REVENUE $301,753

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,900

Fundraising Expenses $0

Other Expenses $23,821

TOTAL EXPENSES $273,298

Year-over-Year Comparison

	2022	2021	Change
Revenue	$301,753	$276,588	+0.1%
Expenses	$273,298	$258,100	+0.1%
Net Income	$28,455	$18,488	+0.5%

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

$3,234

Total Directors

$12,900

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHELSEA BIANCO	Chair	10.00	Director	$4,100	$0	$4,100
ADAM COHEN	Trustee	10.00	Director	$4,100	$0	$4,100
JAMES SCOURTOS	Trustee	5.00	Officer Director	$1,768	$0	$1,768
JESSICA KOUDELKA	Trustee	2.00	Director	$1,466	$0	$1,466
ANN MARIE MOTISI	Trustee	2.00	Officer Director	$1,466	$0	$1,466

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	$301,753	$273,298	$447,431	$28,455
2022	$276,588	$258,100	$403,124	$18,488
2021	$276,163	$245,010	$420,698	$31,153
2020	$276,378	$222,640	$348,081	$53,738
2019	$276,120	$265,689	$319,523	$10,431
2018	$251,441	$263,406	$309,971	$-11,965

UNITED TEACHERS OF SEAFORD TRUST FUND