ROCKVILLE CENTRE TEACHERS ASSOC BE… - Form 990 Financial Data

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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

Phone

5162558978

Tax Period

2024-08-01 to 2025-07-31

ROCKVILLE CENTRE TEACHERS ASSOC BENEFIT TRUST, founded in 1991, is a small nonprofit that reported $570K in total revenue in fiscal year 2024. Expenses of $653K exceeded revenue, resulting in a 14% 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 480 MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $652,657

BENEFIT TRUST PROVIDES MEDICAL, DENTAL, VISION, DISABILITY AND LIFE INSURANCE BENEFITS TO MEMBERS OF THE ROCKVILLE CENTRE TEACHERS ASSOCIATION.

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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 $561,483

Investment Income $8,682

Other Revenue $0

TOTAL REVENUE $570,165

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,315

Fundraising Expenses $0

Program Expenses $652,657

Other Expenses $21,106

TOTAL EXPENSES $652,657

Year-over-Year Comparison

	2024	2023	Change
Revenue	$570,165	$549,779	+0.0%
Expenses	$652,657	$643,732	+0.0%
Net Income	$-82,492	$-93,953	-0.1%

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

$39,080

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER REILLY	TREASURER	10.00	Officer	$1,618	$0	$15,683
LESLI DENINNO	PRESIDENT	1.00	Officer	$0	$0	$15,487
MICHELLE EBEL	MEDICAL REIMBURSEMENT COORDINATOR	1.00	Officer	$1,618	$0	$4,270
WILLIAM CHIOFALO	BENEFIT TRUST CHAIR	1.00	Officer	$2,022	$0	$2,022
DANIELLE GIGANTE	REIMBURSEMENT COORDINATOR	1.00	Officer	$1,618	$0	$1,618

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	$570,165	$652,657	$260,195	$-82,492
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