ONTEORA TEACHERS ASSOCIATION BENEF… - 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

1991

Legal Domicile

Principal Officer

REBECCA JOSLIN

Phone

8456794736

Tax Period

2024-07-01 to 2025-06-30

ONTEORA TEACHERS ASSOCIATION BENEFIT TRUST, founded in 1991, is a small nonprofit that reported $405K in total revenue in fiscal year 2024. The organization ran a surplus of $84K, a strong 21% operating margin.

Mission

TO PROVIDE DENTAL, VISION AND LEGAL BENEFITS (EXCLUDING HEALTH INSURANCE) TO OUR MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $312,256 Revenue: $403,965

TO PROVIDE DENTAL, VISION AND LEGAL BENEFITS (EXCLUDING HEALTH INSURANCE) TO OUR MEMBERS.

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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 $403,965

Investment Income $1,021

Other Revenue $0

TOTAL REVENUE $404,986

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $312,256

Other Expenses $30,462

TOTAL EXPENSES $321,071

Year-over-Year Comparison

	2024	2023	Change
Revenue	$404,986	$380,709	+0.1%
Expenses	$321,071	$356,968	-0.1%
Net Income	$83,915	$23,741	+2.5%

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
AUBREE FERARRO	CHAIR	10.00	Officer Director	$0	$0	$0
REBECCA JOSLIN	TREASURER	10.00	Officer 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	$404,986	$321,071	$406,958	$83,915
2024	$380,709	$356,968	$323,043	$23,741
2023	$390,464	$381,005	$299,303	$9,459
2022	$374,738	$352,164	$293,720	$22,574
2018	$359,579	$371,951	$130,006	$-12,372

ONTEORA TEACHERS ASSOCIATION BENEFIT TRUST