WALLKILL TEACHERS' ASSOCIATION BENEFIT TRUST FUND (EIN 141726351) - 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

1990

Legal Domicile

Principal Officer

KATHLEEN WINTER

Phone

8458833284

Tax Period

2024-10-01 to 2025-09-30

WALLKILL TEACHERS' ASSOCIATION BENEFIT TRUST FUND, founded in 1990, is a small nonprofit that reported $827K in total revenue in fiscal year 2024. Expenses of $939K exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROVIDE INSURANCE BENEFIT PAYMENTS FOR MEMBERS OF THE ASSOCIATION VIA PAYMENTS RECEIVED FROM EMPLOYERS.

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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 $806,606

Investment Income $17,305

Other Revenue $3,225

TOTAL REVENUE $827,136

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $929,681

Other Expenses $64,869

TOTAL EXPENSES $938,662

Year-over-Year Comparison

	2024	2023	Change
Revenue	$827,136	$822,416	+0.0%
Expenses	$938,662	$835,166	+0.1%
Net Income	$-111,526	$-12,750	+7.7%

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

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

$7,200

Total Directors

$7,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOY HEENEY	TRUSTEE	1.00	Director	$0	$0	$0
KATHY WINTER	TREASURER	4.00	Officer Director	$7,200	$0	$7,200
KERRY BAXTER	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
LEEANNE PAZOGA	PRESIDENT	1.00	Officer Director	$0	$0	$0
CYNDEE DEAGOSTINO	TRUSTEE	1.00	Director	$0	$0	$0
NICHOLAS MALGIERI	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ELIZABETH	WERLAU	1.00	Director	$0	$0	$0
CAROLINE BURKE	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	$827,136	$938,662	$1,418,311	$-111,526
2024	$822,416	$835,166	$1,508,197	$-12,750
2023	$796,320	$706,651	$1,282,783	$89,669
2022	$779,303	$693,552	$1,184,194	$85,751
2021	$764,449	$642,610	$1,381,363	$121,839
2020	$757,846	$573,233	$1,105,387	$184,613
2019	$721,978	$649,822	$879,625	$72,156
2018	$690,612	$632,487	$786,812	$58,125

WALLKILL TEACHERS' ASSOCIATION BENEFIT TRUST FUND