EMILY VAIL EDUCATIONAL TRUST C/O ORANGE BANK & TRUST

EIN: 146087094 501(c)(3)

MIDDLETOWN, NY

Total Revenue
$17,316
Total Expenses
$26,950
Total Assets
$554,162
Net Assets
$554,162
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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
1979
Legal Domicile
NY
Principal Officer
TIMOTHY J HOLMES
Phone
8453415039
Tax Period
2024-10-01 to 2025-09-30

EMILY VAIL EDUCATIONAL TRUST C/O ORANGE BANK & TRUST, founded in 1979, is a micro nonprofit that reported $17K in total revenue in fiscal year 2024. Expenses of $27K exceeded revenue, resulting in a 56% operating deficit.

Mission

PROVIDE SCHOLARSHIP LOANS TO GRADUATES OF WARWICK VALLEY CENTRAL SCHOOL DISTRICT

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $0
Investment Income $17,316
Other Revenue $0
TOTAL REVENUE $17,316

Expense Breakdown

Grants Paid $0
Salaries & Benefits $10,920
Fundraising Expenses $0
Program Expenses $18,087
Other Expenses $16,030
TOTAL EXPENSES $26,950

Year-over-Year Comparison

2024 2023 Change
Revenue $17,316 $17,604 0.0%
Expenses $26,950 $27,185 0.0%
Net Income $-9,634 $-9,581 +0.0%
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

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Governance

Voting Members
2
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
0
$0
Total Directors
2
$10,920
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JOHN W GARCIA CHAIRPERSON & BOARD MEMBE 0.00
Director
$0 $0 $0
ELIZABETH FILIPOWSKI SCHOLARSHIP LOAN SECRETARY 5.00
Director
$10,920 $0 $10,920
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 $17,316 $26,950 $554,162 $-9,634
2024 $17,604 $27,185 $563,796 $-9,581
2023 $24,106 $17,327 $573,377 $6,779
2022 $6,865 $17,485 $566,598 $-10,620
2021 $20,115 $16,380 $577,218 $3,735
2020 $8,749 $17,350 $573,482 $-8,601
2019 $10,868 $32,005 $582,083 $-21,137
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