CITIGROUP STAFF MEMBER'S ASSOCIATION (EIN 132878534) - 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

1975

Legal Domicile

Principal Officer

MAGGIE Q FAN

Phone

2038622030

Tax Period

2023-01-01 to 2023-12-31

CITIGROUP STAFF MEMBER'S ASSOCIATION, founded in 1975, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2023. Revenue surged 123% from the prior year, signaling strong growth momentum. Expenses of $21.9M exceeded revenue, resulting in a 563% operating deficit.

Mission

THE TRUST PROVIDES FOR THE PAYMENT OF LIFE, SICKNESS, ACCIDENT AND OTHER BENEFITS TO EMPLOYEES OR THEIR BENEFICIARIES.

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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 $0

Investment Income $3,297,702

Other Revenue $0

TOTAL REVENUE $3,297,702

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $560,825

TOTAL EXPENSES $21,870,181

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,297,702	$1,477,633	+1.2%
Expenses	$21,870,181	$35,609,768	-0.4%
Net Income	$-18,572,479	$-34,132,135	-0.5%

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

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TRUSTEE	1.00		$0	$0	$0
MAGGIE Q FAN	SVP - BENEFITS FINANCE	0.10	Officer	$0	$0	$0
ROBERT GERAGHTY	DIRECTOR	0.10	Officer	$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	No data	No data	No data	No data
2023	$3,297,702	$21,870,181	$59,493,974	$-18,572,479
2022	$1,477,633	$35,609,768	$77,586,144	$-34,132,135
2021	$181,668	$32,201,316	$112,031,558	$-32,019,648
2020	$1,859,652	$30,069,236	$144,053,497	$-28,209,584
2019	$5,605,010	$44,397,844	$172,187,651	$-38,792,834
2018	$5,179,449	$113,457,644	$210,342,235	$-108,278,195

CITIGROUP STAFF MEMBER'S ASSOCIATION