WEST SENECA TEACHERS ASSOCIATION INC BENEFIT TRUST FUND (EIN 161401960) - 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

1991

Legal Domicile

Principal Officer

CAROLINE MUSZYNSKI

Phone

7168241679

Tax Period

2024-07-01 to 2025-06-30

WEST SENECA TEACHERS ASSOCIATION INC BENEFIT TRUST FUND, founded in 1991, is a mid-sized nonprofit that reported $11.8M in total revenue in fiscal year 2024. Expenses of $11.4M left a modest 4% surplus.

Mission

TO PROVIDE MEDICAL, HEALTH, AND OTHER RELATED BENEFITS TO 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 $11,183,356

Investment Income $635,427

Other Revenue $0

TOTAL REVENUE $11,818,783

Expense Breakdown

Grants Paid $0

Salaries & Benefits $154,292

Fundraising Expenses $0

Other Expenses $1,807,963

TOTAL EXPENSES $11,364,607

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,818,783	$11,999,056	0.0%
Expenses	$11,364,607	$9,693,723	+0.2%
Net Income	$454,176	$2,305,333	-0.8%

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

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

$106,537

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANN HOUCK	PRESIDENT	15.00	Officer Director	$0	$0	$0
JEFFREY GRAMZA	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
MELISSA BRIMMER	TRUSTEE	1.00	Director	$0	$0	$0
ANNELLE VANNORTWICK	TRUSTEE	1.00	Director	$0	$0	$0
ERIC SANDS	TRUSTEE	1.00	Director	$0	$0	$0
CAROLINE MUSZYNSKI	FUND ADMINISTRATOR	40.00	Officer	$106,537	$0	$106,537

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	$11,818,783	$11,364,607	$13,168,005	$454,176
2024	No data	No data	No data	No data
2023	$10,556,346	$9,245,322	$10,721,972	$1,311,024
2022	$9,889,110	$8,670,946	$9,138,003	$1,218,164
2021	$9,266,817	$7,650,765	$7,809,605	$1,616,052

WEST SENECA TEACHERS ASSOCIATION INC BENEFIT TRUST FUND