GOSHEN TEACHERS' ASSOCIATION BENEFIT TRUST FUND (EIN 133207143) - 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

1982

Legal Domicile

Principal Officer

HUGH MACKAY

Phone

8459867636

Tax Period

2023-07-01 to 2024-06-30

GOSHEN TEACHERS' ASSOCIATION BENEFIT TRUST FUND, founded in 1982, is a small nonprofit in the Mutual Benefit sector that reported $703K in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE INSURANCE BENEFITS

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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 $688,233

Investment Income $15,087

Other Revenue $0

TOTAL REVENUE $703,320

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $701,585

Other Expenses $21,459

TOTAL EXPENSES $701,585

Year-over-Year Comparison

	2023	2022	Change
Revenue	$703,320	$607,248	+0.2%
Expenses	$701,585	$673,612	+0.0%
Net Income	$1,735	$-66,364	-1.0%

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
HUGH MACKAY	TRUSTEE	5.00	Director	$0	$0	$0
REBECCA HASKEL	TRUSTEE	5.00	Director	$0	$0	$0
JENNIFER CAPOZZI	TRUSTEE	5.00	Director	$0	$0	$0
JENNIFER ROSADO	TRUSTEE	5.00	Director	$0	$0	$0
JUSTINE DIAZ	TRUSTEE	5.00	Director	$0	$0	$0
SARAH BARQUERO	TRUSTEE	5.00	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
2025	No data	No data	No data	No data
2024	$703,320	$701,585	$681,895	$1,735
2023	$607,248	$673,612	$680,160	$-66,364
2022	$625,826	$663,829	$746,524	$-38,003
2021	$612,888	$589,037	$784,527	$23,851
2020	$597,389	$570,625	$760,676	$26,764
2019	$540,952	$630,584	$733,912	$-89,632
2018	$462,839	$448,439	$786,816	$14,400

GOSHEN TEACHERS' ASSOCIATION BENEFIT TRUST FUND