TWU - WESTCHESTER PRIVATE BUS LINES HEALTH BENEFIT TRUST (EIN 136601635) - 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

1973

Legal Domicile

Principal Officer

GERARD BERNACCHIA

Phone

9732284200

Tax Period

2024-01-01 to 2024-12-31

TWU - WESTCHESTER PRIVATE BUS LINES HEALTH BENEFIT TRUST, founded in 1973, is a mid-sized nonprofit that reported $25.7M in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year. Expenses of $23.3M left a modest 9% surplus.

Mission

TO PROVIDE HEALTH AND OTHER BENEFITS TO ACTIVE AND RETIRED 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $25,176,725

Investment Income $552,793

Other Revenue $0

TOTAL REVENUE $25,729,518

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $306,595

TOTAL EXPENSES $23,340,701

Year-over-Year Comparison

	2024	2023	Change
Revenue	$25,729,518	$28,150,107	-0.1%
Expenses	$23,340,701	$24,543,800	0.0%
Net Income	$2,388,817	$3,606,307	-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

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
JOSEPH MURPHY	TRUSTEE	2.00	Director	$0	$0	$0
CARLOS BERNABEL	TRUSTEE	2.00	Director	$0	$0	$0
MANUEL AGOSTO	TRUSTEE	2.00	Director	$0	$0	$0
GERARD BERNACCHIA	TRUSTEE	2.00	Director	$0	$0	$0
BRUCE BERNACCHIA	TRUSTEE	2.00	Director	$0	$0	$0
THOMAS MONACO	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	$25,729,518	$23,340,701	$26,210,097	$2,388,817
2023	$28,150,107	$24,543,800	$23,391,515	$3,606,307
2022	$26,586,731	$22,995,268	$19,398,333	$3,591,463
2021	$20,384,690	$22,777,124	$16,248,570	$-2,392,434
2020	$27,661,138	$23,015,328	$18,641,101	$4,645,810
2019	$24,323,689	$20,516,548	$14,013,920	$3,807,141
2018	$22,083,710	$19,761,789	$10,197,252	$2,321,921

TWU - WESTCHESTER PRIVATE BUS LINES HEALTH BENEFIT TRUST