NCA EMPLOYEES BENEFIT PLAN TRUST (EIN 113058395) - 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

1991

Legal Domicile

Principal Officer

RUSSELL PETROZZI

Phone

2129673002

Tax Period

2024-01-01 to 2024-12-31

NCA EMPLOYEES BENEFIT PLAN TRUST, founded in 1991, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2024.

Mission

TO PROVIDE HEALTH BENEFITS COVERING PARTICIPANTS WHO ARE MEMBERS OR EMPLOYEES OF MEMBERS OF THE NATIONAL CLEANERS ASSOCIATION, INC.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,689,493

Investment Income $176,745

Other Revenue $0

TOTAL REVENUE $1,866,238

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,000

Fundraising Expenses $0

Other Expenses $372,734

TOTAL EXPENSES $2,016,406

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,866,238	$1,791,782	+0.0%
Expenses	$2,016,406	$1,691,941	+0.2%
Net Income	$-150,168	$99,841	-2.5%

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

Total Directors

$3,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICTORIA AVILES	Trustee	0.30	Director	$1,000	$0	$1,000
RUSSELL PETROZZI	Trustee	0.30	Director	$1,000	$0	$1,000
WAYNE EDELMAN	Trustee	0.30	Director	$1,000	$0	$1,000

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
2024	$1,866,238	$2,016,406	$3,139,286	$-150,168
2023	$1,791,782	$1,691,941	$3,111,337	$99,841
2022	$1,719,323	$1,436,857	$2,823,558	$282,466
2021	$2,074,888	$2,671,374	$3,191,835	$-596,486
2020	$2,222,014	$2,405,127	$3,869,132	$-183,113
2019	$2,581,358	$2,278,179	$3,608,927	$303,179
2018	$2,940,218	$3,261,575	$3,186,536	$-321,357

NCA EMPLOYEES BENEFIT PLAN TRUST