PELHAM TEACHERS ASSOCIATION TRUST … - 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

1985

Legal Domicile

Principal Officer

THOMAS BECK

Phone

2039493230

Tax Period

2023-07-01 to 2024-06-30

PELHAM TEACHERS ASSOCIATION TRUST FUND C/O ZENITH AMERICAN SOLUTIONS, founded in 1985, is a small nonprofit that reported $417K in total revenue in fiscal year 2023. Expenses of $375K left a modest 10% surplus.

Mission

TO PROVIDE DENTAL, VISION AND LEGAL SERVICE PLAN BENEFITS TO MEMBERS AND THEIR DEPENDENTS.

Program Service Accomplishments

Program 1

Expenses: $375,389

TO PROVIDE DENTAL, VISION AND LEGAL SERVICE PLAN BENEFITS TO MEMBERS AND THEIR DEPENDENTS.

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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 $415,485

Investment Income $1,724

Other Revenue $0

TOTAL REVENUE $417,209

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,044

Fundraising Expenses $0

Program Expenses $375,389

Other Expenses $34,257

TOTAL EXPENSES $375,389

Year-over-Year Comparison

	2023	2022	Change
Revenue	$417,209	$409,329	+0.0%
Expenses	$375,389	$384,281	0.0%
Net Income	$41,820	$25,048	+0.7%

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

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

$6,644

Total Directors

$8,044

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS BECK	CHAIRPERSON	5.00	Officer Director	$6,644	$0	$6,644
MARCIA BEAN	TRUSTEE	1.00	Director	$350	$0	$350
SARA BAGWELL	TRUSTEE	1.00	Director	$350	$0	$350
ALLISON JACOBS	TRUSTEE	1.00	Director	$350	$0	$350
JANE WALS	TRUSTEE	1.00	Director	$350	$0	$350

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	No data	No data	No data	No data
2024	$417,209	$375,389	$532,064	$41,820
2023	$409,329	$384,281	$474,158	$25,048
2022	$400,551	$366,030	$441,053	$34,521
2021	$385,965	$336,548	$416,225	$49,417
2020	$378,799	$325,910	$355,970	$52,889
2019	$371,189	$380,032	$310,676	$-8,843
2018	$363,551	$328,452	$321,585	$35,099

PELHAM TEACHERS ASSOCIATION TRUST FUND C/O ZENITH AMERICAN SOLUTIONS