BOSTON SECURITIES TRADERS ASSOC INC C/O CHIARA SARATA (EIN 161641063) - 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

2012

Legal Domicile

Principal Officer

CHIARA SARATA

Phone

8574982619

Tax Period

2024-12-01 to 2025-11-30

BOSTON SECURITIES TRADERS ASSOC INC C/O CHIARA SARATA, founded in 2012, is a micro nonprofit in the Community Improvement sector that reported $80K in total revenue in fiscal year 2024. Expenses of $71K left a modest 11% surplus.

Mission

TO PROVIDE LIFE TRAINING, PROFESSIONAL DEVELOPMENT, AND AWARENESS OF THE SECURITY TRADERS IN THE GREATER BOSTON AREA. LOCAL MEMBERS MEET WITH PROFESSIONAL PEERS LOCALLY, REGIONALLY AND NATIONALLY, IN ORDER TO PURSUE AND DISCUSS PROFESSIONAL ISSUES AND COMMON INTERESTS.

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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 $18,450

Program Service Revenue $106,500

Investment Income $7,049

Other Revenue $-52,153

TOTAL REVENUE $79,846

Expense Breakdown

Grants Paid $1,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $29,018

Other Expenses $70,309

TOTAL EXPENSES $71,309

Year-over-Year Comparison

	2024	2023	Change
Revenue	$79,846	$77,636	+0.0%
Expenses	$71,309	$83,810	-0.1%
Net Income	$8,537	$-6,174	-2.4%

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
JAMES MCGRAIL	GOVERNOR	0.25	Director	$0	$0	$0
CHIARA SARATA	PRESIDENT/TR	0.25	Officer	$0	$0	$0
CLAUDETTE MASON	SECRETARY	0.25	Officer	$0	$0	$0
DANIEL MARCOTTE	MEMBERSHIP C	0.25	Officer	$0	$0	$0
ROBBIE PETRUCELLI	VICE PRESIDE	0.25	Director	$0	$0	$0
MARK KEPNER	VICE PRESIDE	0.25	Director	$0	$0	$0
JERRY GARVEY	GOVERNOR	0.25	Director	$0	$0	$0
DAVID HAGEN	GOVERNOR	0.25	Director	$0	$0	$0
PATRICK FAGAN	DIRECTOR	0.25	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	$79,846	$71,309	$217,408	$8,537
2024	$77,636	$83,810	$197,338	$-6,174
2023	$79,673	$81,880	$182,120	$-2,207

BOSTON SECURITIES TRADERS ASSOC INC C/O CHIARA SARATA