DIRECT ADVISORS TRUST

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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

2000

Legal Domicile

Principal Officer

CHEMUNG CANAL TRUST COMPA

Phone

5183622119

Tax Period

2024-01-01 to 2024-12-31

DIRECT ADVISORS TRUST, founded in 2000, is a mid-sized nonprofit in the Mutual Benefit sector that reported $20.1M in total revenue in fiscal year 2024.

Mission

PROVIDE FUNDING FOR EMPLOYEE BENEFITS.

Program Service Accomplishments

Program 1

Expenses: $3,619,492

PROVIDE MEDICAL, DENTAL, DISABILITY AND LIFE INSURANCE TO WORKERS OF SPONSORING EMPLOYERS.

Program 2

Expenses: $4,925,188

PROVIDE VACATION AND HOLIDAY BENEFITS TO WORKERS OF SPONSORING EMPLOYERS.

Program 3

Expenses: $11,553,874

PROVIDE SUPPLEMENTAL UNEMPLOYEMENT BENEFITS TO WORKERS OF SPONSORING 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 $20,130,146

Investment Income $0

Other Revenue $0

TOTAL REVENUE $20,130,146

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $20,130,146

Other Expenses $2,380

TOTAL EXPENSES $20,130,146

Year-over-Year Comparison

	2024	2023	Change
Revenue	$20,130,146	$18,830,961	+0.1%
Expenses	$20,130,146	$18,830,961	+0.1%
Net Income	$0	$0	N/A

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

882

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
N/A	TRUSTEE	2.00		$0	$113,113	$113,113

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	No data	No data	No data	No data
2024	$20,130,146	$20,130,146	$1,104,186	No data
2023	$18,830,961	$18,830,961	$156,160	No data
2022	$17,804,282	$17,804,282	$137,668	No data
2021	$13,153,612	$13,153,612	$100	No data
2020	$13,504,793	$13,504,793	$501,432	No data
2019	$16,008,190	$16,008,190	$810,828	No data