FUTURES AND OPTIONS INC (EIN 134063658) - 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

1999

Legal Domicile

Principal Officer

CAROLYN SILVER

Phone

2126010002

Tax Period

2024-07-01 to 2025-06-30

FUTURES AND OPTIONS INC, founded in 1999, is a community nonprofit in the Education sector that reported $3.6M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year.

Mission

FUTURES AND OPTIONS EMPOWERS NYC YOUTH TO EXPLORE CAREER PATHWAYS AND ACQUIRE PROFESSIONAL SKILLS.

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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 $2,497,942

Program Service Revenue $1,031,845

Investment Income $106,615

Other Revenue $0

TOTAL REVENUE $3,636,402

Expense Breakdown

Grants Paid $192,159

Salaries & Benefits $2,985,959

Fundraising Expenses $367,403

Program Expenses $3,138,811

Other Expenses $756,540

TOTAL EXPENSES $3,934,658

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,636,402	$3,872,666	-0.1%
Expenses	$3,934,658	$3,754,152	+0.0%
Net Income	$-298,256	$118,514	-3.5%

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

Independent Members

Employees

286

Volunteers

629

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

$176,285

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL ZEMSKY	CHAIR	1.00	Officer Director	$0	$0	$0
LISA GRUSHKIN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
STEPHEN GOLDSTEIN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
WRAY THORN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
CHRISTOPHER M SNYDER	TREASURER	1.00	Officer Director	$0	$0	$0
ERIN MURPHY	SECRETARY	1.00	Officer Director	$0	$0	$0
ALICE EATON	DIRECTOR	1.00	Director	$0	$0	$0
EFREM SIGEL	DIRECTOR	1.00	Director	$0	$0	$0
BENJAMIN SCHRAG	DIRECTOR	1.00	Director	$0	$0	$0
COLLEEN HSIA	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL MAGLIOCCO	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL POMBO	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL TANNEBAUM	DIRECTOR	1.00	Director	$0	$0	$0
DAVE MILLER	DIRECTOR	1.00	Director	$0	$0	$0
DAVID SCHIFF	DIRECTOR	1.00	Director	$0	$0	$0
DIANE ARBER	DIRECTOR	1.00	Director	$0	$0	$0
GRACE CHIU	DIRECTOR	1.00	Director	$0	$0	$0
HARNSOWL KO	DIRECTOR	1.00	Director	$0	$0	$0
HUGH NELSON	DIRECTOR	1.00	Director	$0	$0	$0
JASON SCHEIR	DIRECTOR	1.00	Director	$0	$0	$0
JOHN DIAZ	DIRECTOR	1.00	Director	$0	$0	$0
JOHN THOMPSON	DIRECTOR	1.00	Director	$0	$0	$0
KRISTOPHER M HANSEN	DIRECTOR	1.00	Director	$0	$0	$0
LISA LANDSTEIN	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW B SETTLE	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT RAMIREZ	DIRECTOR	1.00	Director	$0	$0	$0
ROOPESH K SHAH	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN E HESSLER	DIRECTOR	1.00	Director	$0	$0	$0
W GREG THONSEN	DIRECTOR	1.00	Director	$0	$0	$0
CAROLYN SILVER	EXECUTIVE DIRECTOR	40.00	Officer	$172,985	$3,300	$176,285
JESSICA MISCHKOT	CHIEF PROGRAM OFFICER	40.00	Highest	$111,946	$2,212	$114,158
DAVID PFEIFER	DIR. OF FINANCE & ADMINISTRATION	40.00	Highest	$103,353	$2,042	$105,395

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	$3,636,402	$3,934,658	$5,504,934	$-298,256
2024	$3,872,666	$3,754,152	$5,922,071	$118,514
2023	$3,605,504	$3,247,645	$5,876,975	$357,859
2022	$4,437,434	$2,991,307	$3,299,886	$1,446,127
2021	$2,963,177	$2,624,152	$2,369,428	$339,025
2020	$3,365,067	$3,272,032	$1,596,156	$93,035
2019	$3,213,115	$2,927,622	$1,395,728	$285,493
2018	$2,488,561	$2,165,323	$1,337,352	$323,238

FUTURES AND OPTIONS INC