ASSOCIATION OF BELLTEL RETIREES INC (EIN 113311185) - 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

1996

Legal Domicile

Principal Officer

FRANK BRUZEK

Phone

6313673067

Tax Period

2024-01-01 to 2024-12-31

ASSOCIATION OF BELLTEL RETIREES INC, founded in 1996, is a small nonprofit in the Education sector that reported $501K in total revenue in fiscal year 2024.

Mission

TO PROTECT AND ENHANCE THE PENSIONS AND BENEFITS OF THE RETIREES AND BENEFICIARIES OF THE COMPANIES AND SUBSIDIARIES THAT MAKE UP THE VERIZON AND IDEARC/SUPERMEDIA CORPORATIONS.

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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 $493,839

Program Service Revenue $0

Investment Income $7,170

Other Revenue $0

TOTAL REVENUE $501,009

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,236

Fundraising Expenses $74,387

Program Expenses $387,955

Other Expenses $403,820

TOTAL EXPENSES $532,056

Year-over-Year Comparison

	2024	2023	Change
Revenue	$501,009	$495,011	+0.0%
Expenses	$532,056	$548,672	0.0%
Net Income	$-31,047	$-53,661	-0.4%

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

Volunteers

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
TIMOTHY MCMANUS	DIRECTOR	1.00	Officer Director	$0	$0	$0
UNA KELLY	TREASURER	34.00	Officer Director	$0	$0	$0
THOMAS M STEED	CHAIRMAN	18.00	Officer Director	$0	$0	$0
DONALD R KAUFMANN	DIRECTOR	5.00	Director	$0	$0	$0
FRANK BRUZEK	CFO	9.00	Officer Director	$0	$0	$0
THOMAS P BUTLER	DIRECTOR	0.00	Officer Director	$0	$0	$0
LAURA WHITLOCK	DIRECTOR	4.00	Officer 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
2024	$501,009	$532,056	$269,203	$-31,047
2023	$495,011	$548,672	$310,687	$-53,661
2022	$502,183	$511,751	$368,799	$-9,568
2021	$531,984	$490,501	$355,751	$41,483
2020	$609,955	$452,684	$300,311	$157,271
2019	$549,968	$499,693	$137,200	$50,275
2018	$568,676	$677,279	$99,044	$-108,603

ASSOCIATION OF BELLTEL RETIREES INC