EAST RAMAPO TEACHERS ASSOCIATION

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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

1959

Legal Domicile

Principal Officer

WILLIAM HOOPER

Phone

8453564333

Tax Period

2024-09-01 to 2025-08-31

EAST RAMAPO TEACHERS ASSOCIATION, founded in 1959, is a small nonprofit that reported $837K in total revenue in fiscal year 2024. Expenses of $928K exceeded revenue, resulting in a 11% operating deficit.

Mission

EAST RAMAPO TEACHERS ASSOCIATION'S PURPOSE IS TO PROMOTE THE PROFESSIONAL, ECONOMIC, AND SOCIAL INTEREST OF THE MEMBERS, TO PROMOTE AND IMPROVE THE EDUCATIONAL ENVIRONMENT, TO PROMOTE CLOSER RELATIONSHIPS BETWEEN TEACHERS AND THE COMMUNITY AND TO ENCOURAGE COOPERATION WITH OTHER EDUCATIONAL AND PROFESSIONAL ORGANIZATIONS.

Program Service Accomplishments

Program 1

EAST RAMAPO TEACHERS ASSOCIATION'S MAIN PROGRAM SERVICE IS TO NEGOTIATE, ENFORCE AND SUPPORT THE CONTRACT BETWEEN THE TEACHERS ASSOCIATION AND THE SCHOOL DISTRICT. TO REPRESENT THE MEMBERS IN TERMS OF WORKING CONDITIONS, PROFESSIONAL IMPROVEMENT, ECONOMIC AND SOCIAL AND HEALTH ISSUES THAT ARISE IN RELATION TO THEIR EMPLOYMENT. TO WORK WITH THE SCHOOL DISTRICT, COMMUNITY, AND OTHER PROFESSIONAL ORGANIZATIONS TO IMPROVE AND MAINTAIN THE EDUCATIONAL ENVIRONMENT FOR THE STUDENTS AND TEACHERS.

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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 $3,941

Program Service Revenue $810,232

Investment Income $22,801

Other Revenue $0

TOTAL REVENUE $836,974

Expense Breakdown

Grants Paid $6,650

Salaries & Benefits $172,992

Fundraising Expenses $0

Other Expenses $748,303

TOTAL EXPENSES $927,945

Year-over-Year Comparison

	2024	2023	Change
Revenue	$836,974	$793,947	+0.1%
Expenses	$927,945	$877,699	+0.1%
Net Income	$-90,971	$-83,752	+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

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

$106,871

Total Directors

$141,271

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANTHONY STEPHENS	PRESIDENT / DIRECTOR	20.00	Officer Director	$25,947	$0	$25,947
GEORGE BIELSKI	STAT & ETH CHAIR/DIRECTOR	10.00	Director	$7,183	$0	$7,183
JENNIFER ROBERTS	1ST VICE PRES/DIRECTOR	10.00	Officer Director	$22,621	$0	$22,621
LOUISE SOLOMON	GRIEVANCE/ DIRECTOR	6.00	Director	$12,790	$0	$12,790
LYNETTE HOLMES	ELECTION & MEMBERSHIP CHAI	10.00	Director	$5,886	$0	$5,886
TRACI GALES	CPB CHAIR / DIRECTOR	8.00	Director	$8,541	$0	$8,541
TRICIA MCNAB	2ND VICE PRES/DIRECTOR	10.00	Officer Director	$20,221	$0	$20,221
WILLIAM HOOPER	TREASURER / DIRECTOR	20.00	Officer Director	$23,643	$0	$23,643
LOREN FLOCCO	SECRETARY / DIRECTOR	10.00	Officer Director	$14,439	$0	$14,439

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	$836,974	$927,945	$609,121	$-90,971
2024	$793,947	$877,699	$695,942	$-83,752
2023	$716,242	$828,113	$750,042	$-111,871
2022	$700,289	$853,967	$888,808	$-153,678
2021	$862,442	$841,907	$1,090,300	$20,535
2020	$894,208	$747,047	$1,069,765	$147,161
2019	$882,489	$786,951	$922,604	$95,538