ROCKVILLE CENTRE TEACHERS ASSOC BENEFIT TRUST (EIN 113069322) - 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

Tax Period

2023-08-01 to 2024-07-31

ROCKVILLE CENTRE TEACHERS ASSOC BENEFIT TRUST, founded in 1991, is a small nonprofit that reported $550K in total revenue in fiscal year 2023. Expenses of $644K exceeded revenue, resulting in a 17% operating deficit.

Mission

THE BENEFIT TRUST PROVIDES MEDICAL, DENTAL, VISION, DISABILITY AND LIFE INSURANCE BENEFITS TO MEMBERS OF THE ROCKVILLE CENTRE TEACHERS ASSOCIATION. DENTAL, VISION,AND LIFE INSURANCE BENEFITS ARE PROVIDED TO 517 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $537,308

Investment Income $12,471

Other Revenue $0

TOTAL REVENUE $549,779

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,875

Fundraising Expenses $0

Program Expenses $643,732

Other Expenses $24,243

TOTAL EXPENSES $643,732

Year-over-Year Comparison

	2023	2022	Change
Revenue	$549,779	$547,738	+0.0%
Expenses	$643,732	$620,305	+0.0%
Net Income	$-93,953	$-72,567	+0.3%

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

$18,390

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER REILLY	TREASURER	10.00	Officer	$1,600	$0	$13,190
WILLIAM CHIAFO	BENEFIT TRUST CHAIR	1.00	Officer	$2,000	$0	$2,000
DANIELLE GIGANTE	REIMBURSEMENT COORDINATOR	1.00	Officer	$1,600	$0	$1,600
MICHELLE EBEL	MEDICAL REIMBURSEMENT COORDIN	1.00	Officer	$1,600	$0	$1,600

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	$549,779	$643,732	$850,601	$-93,953
2023	$551,624	$620,305	$410,925	$-68,681
2022	$545,199	$585,529	$457,583	$-40,330
2021	$545,997	$608,872	$1,028,162	$-62,875
2020	$549,010	$629,924	$558,050	$-80,914
2019	$549,920	$657,418	$637,349	$-107,498
2018	$543,129	$584,869	$735,289	$-41,740

ROCKVILLE CENTRE TEACHERS ASSOC BENEFIT TRUST