BOCES TEACHERS ASSOCIATION BENEFIT TRUST (EIN 137091101) - 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

1996

Legal Domicile

Principal Officer

MELISSA BARRETO

Phone

9149976591

Tax Period

2024-07-01 to 2025-06-30

BOCES TEACHERS ASSOCIATION BENEFIT TRUST, founded in 1996, is a small nonprofit in the Mutual Benefit sector that reported $467K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $112K, a strong 24% operating margin.

Mission

THE FUND PROVIDES DENTAL, LIFE, LEGAL SERVICES AND DISABILITY BENEFITS TO ACTIVE 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $441,573

Investment Income $25,800

Other Revenue $0

TOTAL REVENUE $467,373

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,750

Fundraising Expenses $0

Other Expenses $36,430

TOTAL EXPENSES $354,897

Year-over-Year Comparison

	2024	2023	Change
Revenue	$467,373	$412,778	+0.1%
Expenses	$354,897	$352,256	+0.0%
Net Income	$112,476	$60,522	+0.9%

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

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

$27,929

Total Directors

$66,898

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA BARRETO	CHAIRPERSON	2.00	Officer Director	$9,750	$0	$9,750
SUSAN CARFORO	SECRETARY	1.00	Officer Director	$4,125	$0	$4,125
STACEY DIPAOLA	TREASURER	1.00	Officer Director	$4,125	$0	$14,054
MAIREAD SCHUELEIN	TRUSTEE	2.00	Director	$1,375	$0	$19,074
EILEEN MCGARVEY	TERM ENDED 07/2024	0.00	Director	$200	$0	$19,895

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	$467,373	$354,897	$1,182,558	$112,476
2024	$412,778	$352,256	$1,033,899	$60,522
2023	$384,227	$335,056	$944,730	$49,171
2022	$468,104	$288,674	$925,155	$179,430
2021	$452,255	$263,912	$820,555	$188,343
2020	$416,228	$272,130	$604,310	$144,098
2019	$396,273	$292,268	$448,909	$104,005

BOCES TEACHERS ASSOCIATION BENEFIT TRUST