BREWSTER TEACHERS ASSOCIATION WELFARE FUND (EIN 141607050) - 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

1978

Legal Domicile

Principal Officer

NOELLE PALUMBO

Phone

8452795051

Tax Period

2024-09-01 to 2025-08-31

BREWSTER TEACHERS ASSOCIATION WELFARE FUND, founded in 1978, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2024. Revenue decreased 17% compared to the prior year.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE PARTICIPANTS COVERED BY A COLLECTIVE BARGAINING AGREEMENT.

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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 $1,043,290

Investment Income $44,826

Other Revenue $0

TOTAL REVENUE $1,088,116

Expense Breakdown

Grants Paid $0

Salaries & Benefits $15,000

Fundraising Expenses $0

Other Expenses $82,840

TOTAL EXPENSES $1,093,662

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,088,116	$1,316,748	-0.2%
Expenses	$1,093,662	$1,276,635	-0.1%
Net Income	$-5,546	$40,113	-1.1%

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

Total Directors

$6,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN BOEHM	Trustee	1.00	Director	$2,500	$0	$2,500
NOELLE PALUMBO	CHAIRPERSON	8.00	Director	$1,250	$0	$1,250
KATHERINE ALLEN	Trustee	1.00	Director	$1,250	$0	$1,250
PAUL GEORGE	Trustee	1.00	Director	$1,250	$0	$1,250
ALIZA TRUPIA	Trustee	1.00	Director	$0	$0	$0
DEBRA ELK	Trustee	1.00	Director	$0	$0	$0
GABRIELE LAPPE	Trustee	1.00	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
2025	$1,088,116	$1,093,662	$1,652,289	$-5,546
2024	$1,316,748	$1,276,635	$1,724,374	$40,113
2023	$1,204,266	$1,149,299	$1,484,440	$54,967
2022	$1,175,964	$1,043,842	$1,347,517	$132,122
2021	$1,131,835	$1,015,915	$1,344,247	$115,920
2020	$1,109,452	$838,622	$1,280,715	$270,830
2019	$1,043,139	$975,737	$969,883	$67,402
2018	$1,018,621	$976,640	$916,462	$41,981

BREWSTER TEACHERS ASSOCIATION WELFARE FUND