Yonkers Federation of Teachers Welfare (EIN 136319119) - 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

1969

Legal Domicile

Principal Officer

SAMANTHA ROSADO-CIRIELLO

Phone

9147930393

Tax Period

2023-01-01 to 2023-12-31

Yonkers Federation of Teachers Welfare, founded in 1969, is a community nonprofit that reported $6.7M in total revenue in fiscal year 2023. Expenses of $6.1M left a modest 10% surplus.

Mission

TO PROVIDE HEALTH AND OTHER BENEFITS TO COVERED PARTICIPANTS.

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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 $6,606,154

Investment Income $113,895

Other Revenue $15,364

TOTAL REVENUE $6,735,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $507,719

Fundraising Expenses $0

Other Expenses $380,316

TOTAL EXPENSES $6,085,746

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,735,413	$6,398,982	+0.1%
Expenses	$6,085,746	$5,908,641	+0.0%
Net Income	$649,667	$490,341	+0.3%

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

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

$74,145

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGIA DEMURO	Fund Administrator	40.00		$155,052	$50,332	$205,384
SAMANTHA ROSADO-CIRIELLO	Trustee	6.00	Director	$0	$0	$38,184
KARA POPIEL	Trustee	8.00	Director	$0	$0	$29,464
NANCY CIRALDO	Trustee	6.00	Director	$6,497	$0	$6,497
BRYAN BOYD	Trustee	2.00	Director	$0	$0	$0
JANE WERMUTH	Trustee	2.00	Director	$0	$0	$0
REV STEPHEN LOPEZ	Trustee	2.00	Director	$0	$0	$0
KEVIN CLIFFORD	Trustee	2.00	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
2024	No data	No data	No data	No data
2023	$6,735,413	$6,085,746	$10,958,087	$649,667
2022	$6,398,982	$5,908,641	$10,402,561	$490,341
2021	$6,185,515	$5,171,020	$10,229,869	$1,014,495
2020	$6,071,153	$4,340,105	$9,480,409	$1,731,048
2019	$6,096,722	$5,480,474	$7,986,548	$616,248
2018	$5,901,178	$5,197,611	$7,278,290	$703,567

Yonkers Federation of Teachers Welfare