BYRAM HILLS TEACHERS ASSOCIATION BENEFIT FUND (EIN 132987526) - 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

1979

Legal Domicile

Principal Officer

CHRISTOPHER RASQUIN

Phone

9142731093

Tax Period

2024-07-01 to 2025-06-30

BYRAM HILLS TEACHERS ASSOCIATION BENEFIT FUND, founded in 1979, is a small nonprofit that reported $758K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $194K, a strong 26% operating margin.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO COVERED EMPLOYEES.

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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 $713,122

Investment Income $45,214

Other Revenue $0

TOTAL REVENUE $758,336

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $63,252

TOTAL EXPENSES $564,758

Year-over-Year Comparison

	2024	2023	Change
Revenue	$758,336	$700,719	+0.1%
Expenses	$564,758	$565,956	0.0%
Net Income	$193,578	$134,763	+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

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

$4,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER RASQUIN	CHAIRPERSON	3.00	Director	$0	$0	$2,250
GINA CUNNINGHAM	TRUSTEE	0.50	Director	$0	$0	$0
KELLY SEIBERT	TRUSTEE	0.50	Director	$0	$0	$0
MELINDA FULLER	TRUSTEE	3.00	Director	$0	$0	$2,250

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	$758,336	$564,758	$1,085,113	$193,578
2024	$700,719	$565,956	$916,359	$134,763
2023	$622,541	$552,464	$794,499	$70,077
2022	$580,542	$529,141	$742,594	$51,401
2021	$594,630	$498,170	$671,418	$96,460
2020	$564,042	$471,329	$571,218	$92,713
2019	$551,651	$558,548	$476,845	$-6,897
2018	$504,861	$455,914	$482,088	$48,947

BYRAM HILLS TEACHERS ASSOCIATION BENEFIT FUND