PINE BUSH TEACHERS ASSOCIATION BEN… - Form 990 Financial Data

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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

1988

Legal Domicile

Principal Officer

CARLA MCLAUD

Phone

8457448623

Tax Period

2024-07-01 to 2025-06-30

PINE BUSH TEACHERS ASSOCIATION BENEFITS TRUST FUND, founded in 1988, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2024. The organization ran a surplus of $312K, a strong 17% operating margin.

Mission

DENTAL, OPTICAL AND SUPPLEMENTAL HEATHCARE BENEFITS TRUST FUND

Program Service Accomplishments

Program 1

THE FUND PROVIDED DENTAL, OPTICAL & HEARING BENEFITS, LIFE INSURANCE, CANCER/DISABILITY INSURANCE, HEALTHCARE COST REIMBURSEMENTS,FUNERAL BENEFITS AND DEFENSIVE DRIVING CLASSES FOR ALL ELIGIBLE...

THE FUND PROVIDED DENTAL, OPTICAL & HEARING BENEFITS, LIFE INSURANCE, CANCER/DISABILITY INSURANCE, HEALTHCARE COST REIMBURSEMENTS,FUNERAL BENEFITS AND DEFENSIVE DRIVING CLASSES FOR ALL ELIGIBLE EMPLOYEES AND FAMILIES OF THE PINE BUSH SCHOOL DISTRICT AS WELL AS THOSE COVERED AS GOVERNED BY COBRA.

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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 $1,496,793

Investment Income $89,159

Other Revenue $248,497

TOTAL REVENUE $1,834,449

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,892

Fundraising Expenses $0

Other Expenses $98,873

TOTAL EXPENSES $1,522,623

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,834,449	$1,836,970	0.0%
Expenses	$1,522,623	$1,424,211	+0.1%
Net Income	$311,826	$412,759	-0.2%

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

Volunteers

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
JAMIE BENNETT	TRUSTEE	N/A	Director	$0	$0	$0
MEGAN FITZGERALD	TRUSTEE	N/A	Director	$0	$0	$0
DAWN MAZZELLA	TRUSTEE	N/A	Director	$0	$0	$0
CARLA MCLAUD	TRUSTEE	N/A	Director	$0	$0	$0
CHRIS PASSUDETTI	TRUSTEE	N/A	Director	$0	$0	$0
JOHN TOBIN	TRUSTEE	N/A	Director	$0	$0	$0
KIM WHITE	TRUSTEE	N/A	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	$1,834,449	$1,522,623	$3,244,128	$311,826
2024	$1,836,970	$1,424,211	$2,921,730	$412,759
2023	$1,574,560	$1,245,854	$2,495,490	$328,706
2022	$1,143,115	$1,241,162	$2,167,273	$-98,047
2021	$1,711,561	$1,137,192	$2,272,952	$574,369
2020	$1,312,827	$1,026,833	$1,678,297	$285,994
2019	$1,357,727	$1,177,828	$1,385,698	$179,899

PINE BUSH TEACHERS ASSOCIATION BENEFITS TRUST FUND