FRONTIER CENTRAL EMPLOYEES ASSOCIATION BENEFIT TRUST

EIN: 161552822 Mutual Benefit

HAMBURG, NY

Total Revenue
$190,863
Total Expenses
$118,871
Total Assets
$585,719
Net Assets
$585,719
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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
1998
Principal Officer
LISA BENDER
Phone
7169975475
Tax Period
2024-07-01 to 2025-06-30

FRONTIER CENTRAL EMPLOYEES ASSOCIATION BENEFIT TRUST, founded in 1998, is a small nonprofit in the Mutual Benefit sector that reported $191K in total revenue in fiscal year 2024. The organization ran a surplus of $72K, a strong 38% operating margin.

Mission

TO PROVIDE DENTAL INSURANCE AND OTHER BENEFITS TO ITS 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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $190,658
Program Service Revenue $0
Investment Income $205
Other Revenue $0
TOTAL REVENUE $190,863

Expense Breakdown

Grants Paid $0
Salaries & Benefits $500
Fundraising Expenses $0
Other Expenses $3,028
TOTAL EXPENSES $118,871

Year-over-Year Comparison

2024 2023 Change
Revenue $190,863 $191,002 0.0%
Expenses $118,871 $120,645 0.0%
Net Income $71,992 $70,357 +0.0%
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

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Governance

Voting Members
4
Independent Members
4
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
0
$0
Total Directors
4
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MELISSA BARTEN-ADAMCZYK TRUSTEE N/A
Director
$0 $0 $0
LISA BENDER CHAIRPERSON 0.00
Director
$0 $0 $0
LYNDA EBLING TRUSTEE N/A
Director
$0 $0 $0
MELISSA STEPHENSON TRUSTEE N/A
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 $190,863 $118,871 $585,719 $71,992
2024 $191,002 $120,645 $513,727 $70,357
2023 $190,368 $125,009 $443,370 $65,359
2022 $197,605 $135,216 $378,011 $62,389
2021 $198,400 $128,410 $315,622 $69,990
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