MT PLEASANT COTTAGE SCHOOL TEACH BEN FND C/O DAVID HUDSON (EIN 133630069) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1992

Legal Domicile

Principal Officer

MICHAEL PELLER

Phone

9142747882

Tax Period

2024-07-01 to 2025-06-30

MT PLEASANT COTTAGE SCHOOL TEACH BEN FND C/O DAVID HUDSON, founded in 1992, is a small nonprofit that reported $148K in total revenue in fiscal year 2024. Revenue decreased 17% compared to the prior year. Expenses of $221K exceeded revenue, resulting in a 49% operating deficit.

Mission

TO PROVIDE DENTAL & VISION BENEFITS, LIFE AND LONG TERM DISABILITY INSURANCE, AND A LEGAL SERVICE PLAN TO MEMBERS AND THEIR DEPENDENTS

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $137,218

Investment Income $10,885

Other Revenue $0

TOTAL REVENUE $148,103

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,570

Fundraising Expenses $0

Program Expenses $220,777

Other Expenses $19,429

TOTAL EXPENSES $220,777

Year-over-Year Comparison

	2024	2023	Change
Revenue	$148,103	$178,292	-0.2%
Expenses	$220,777	$246,468	-0.1%
Net Income	$-72,674	$-68,176	+0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

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

$17,570

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH MCMORROW	TRUSTEE	1.00	Director	$595	$0	$595
JOHN WALSH	TRUSTEE	1.00	Director	$595	$0	$595
DAVID HUDSON	CHAIRMAN	1.00	Director	$595	$0	$595
LOUANN SACCHITIELLO	TRUSTEE	1.00	Director	$595	$0	$595
CAROLYN HARTMAN	TRUSTEE	1.00	Director	$595	$0	$595
JAMES NOLAN	FUND MANAGER	5.00	Director	$14,000	$0	$14,000
DOUGLAS HENERY	UNION PRESIDENT	1.00	Director	$595	$0	$595

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	$148,103	$220,777	$575,593	$-72,674
2024	No data	No data	No data	No data
2023	$198,366	$208,605	$709,286	$-10,239
2022	$168,002	$170,860	$706,308	$-2,858
2021	$174,870	$153,809	$709,781	$21,061
2020	$177,225	$111,794	$679,858	$65,431
2019	$186,241	$138,973	$617,661	$47,268
2018	$179,427	$156,629	$569,557	$22,798

MT PLEASANT COTTAGE SCHOOL TEACH BEN FND C/O DAVID HUDSON