DOVER-WINGDALE TEACHERS ASSOCIATION WELFARE TRUST FUND (EIN 146147066) - 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

SUMMAR RAZVI

Phone

8458775730

Tax Period

2024-07-01 to 2025-06-30

DOVER-WINGDALE TEACHERS ASSOCIATION WELFARE TRUST FUND, founded in 1990, is a small nonprofit that reported $342K in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $112K, a strong 33% operating margin.

Mission

BENEFICIAL TRUST ESTABLISHED TO PROVIDE FOR THE PAYMENT OF VISION, DENTAL, AND LEGAL ASSISTANCE TO EMPLOYEES OF THE DOVER UNION FREE 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%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $340,470

Investment Income $1,252

Other Revenue $0

TOTAL REVENUE $341,722

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $227,856

Other Expenses $8,802

TOTAL EXPENSES $230,057

Year-over-Year Comparison

	2024	2023	Change
Revenue	$341,722	$277,670	+0.2%
Expenses	$230,057	$252,397	-0.1%
Net Income	$111,665	$25,273	+3.4%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THERESA IANNUCCHI	CHAIRPERSONP	2.00	Officer	$0	$0	$0
PATRICK STEVENS	UNION PRESID	1.00	Officer	$0	$0	$0
SUMMAR RAZVI	TREASURER	2.00	Officer	$0	$0	$0
JANINE LOOS	SECRETARY	1.00	Officer	$0	$0	$0
ALLISON FITCH	TRUSTEE	1.00	Director	$0	$0	$0
ALEXANDRA FISCHER	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	$341,722	$230,057	$335,731	$111,665
2024	$277,670	$252,397	$229,436	$25,273
2023	$289,769	$236,007	$190,580	$53,762
2022	$266,110	$217,862	$144,866	$48,248
2021	$233,681	$243,669	$97,395	$-9,988
2020	$213,016	$213,321	$103,781	$-305
2019	$212,885	$269,004	$98,567	$-56,119
2018	$205,427	$216,800	$163,713	$-11,373

DOVER-WINGDALE TEACHERS ASSOCIATION WELFARE TRUST FUND