FRONTIER CENTRAL TEACHERS ASSOCIATION BENEFITS FUND (EIN 161459043) - 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

2000

Legal Domicile

Principal Officer

ALLISON LIPPERT

Phone

7169261760

Tax Period

2024-07-01 to 2025-06-30

FRONTIER CENTRAL TEACHERS ASSOCIATION BENEFITS FUND, founded in 2000, is a small nonprofit that reported $527K in total revenue in fiscal year 2024. Expenses of $488K left a modest 7% surplus.

Mission

TO PROVIDE DENTAL AND OTHER BENEFITS AS PER THE ORGANIZATIONS TRUSTEES. THESE OTHER BENEFITS ARE VOTED ON DURING MONTHLY MEETINGS AND ARE DEPENDENT ON THE ORGANIZATION'S FINANCIAL HEALTH.

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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 $511,593

Investment Income $15,554

Other Revenue $0

TOTAL REVENUE $527,147

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,486

Fundraising Expenses $0

Program Expenses $471,225

Other Expenses $3,027

TOTAL EXPENSES $487,738

Year-over-Year Comparison

	2024	2023	Change
Revenue	$527,147	$520,780	+0.0%
Expenses	$487,738	$467,432	+0.0%
Net Income	$39,409	$53,348	-0.3%

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

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

$12,123

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE ZDYB	TREASURER	2.00	Officer	$4,857	$0	$4,857
ALLISON LIPPERT	CHAIRPERSON	3.00	Officer	$2,980	$0	$2,980
KATHY WOODS	MEMBERSHIP	1.00	Officer	$2,656	$0	$2,656
ERIN RUSSELL	SECRETARY	1.00	Officer	$1,630	$0	$1,630

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	$527,147	$487,738	$781,331	$39,409
2024	$520,780	$467,432	$741,922	$53,348
2023	$534,230	$437,598	$688,574	$96,632
2022	$517,514	$492,728	$591,942	$24,786
2021	$487,818	$537,487	$567,156	$-49,669
2020	$559,650	$498,048	$616,825	$61,602
2019	$523,436	$501,838	$555,222	$21,598

FRONTIER CENTRAL TEACHERS ASSOCIATION BENEFITS FUND