CHEEKTOWAGA CENTRAL TEACHERS' ASSOCIATION BENEFIT TRUST (EIN 166406258) - 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

1995

Legal Domicile

Principal Officer

LUKE SILLIMAN

Phone

7166863600

Tax Period

2022-07-01 to 2023-06-30

CHEEKTOWAGA CENTRAL TEACHERS' ASSOCIATION BENEFIT TRUST, founded in 1995, is a small nonprofit in the Employment sector that reported $244K in total revenue in fiscal year 2022. Revenue surged 27% from the prior year, signaling strong growth momentum. Expenses of $216K left a modest 12% surplus.

Mission

TO PROVIDE VISION, LEGAL AND DENTAL REIMBURSEMENTS TO ELIGIBLE RECIPIENTS OF CHEEKTOWAGA CENTRAL TEACHERS' ASSOCIATION BENEFIT TRUST.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $244,005

Investment Income $207

Other Revenue $0

TOTAL REVENUE $244,212

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,000

Fundraising Expenses $0

Other Expenses $18,703

TOTAL EXPENSES $215,511

Year-over-Year Comparison

	2022	2021	Change
Revenue	$244,212	$192,391	+0.3%
Expenses	$215,511	$205,613	+0.0%
Net Income	$28,701	$-13,222	-3.2%

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

$10,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE DANTONIO	FUND ADVISOR	2.00	Director	$2,500	$0	$2,500
TERI MANNA	ADVISOR	2.00	Director	$2,500	$0	$2,500
LENETTE BRADDOCK	ADVISOR	2.00	Director	$2,500	$0	$2,500
JENNIFER SCHLESINGER	ADVISOR	2.00	Director	$2,500	$0	$2,500
LUKE SILLIMAN	UNION PRESIDENT	0.50	Officer	$0	$0	$0
ELAYN HIGGINS	UNION VICE PRESIDENT	0.50	Officer	$0	$0	$0
LYNNAE KWILAS	UNION SECRETARY	0.50	Officer	$0	$0	$0
MICHELE SETZER	UNION TREASURER	0.50	Officer	$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	No data	No data	No data	No data
2023	$244,212	$215,511	$212,762	$28,701
2021	$273,564	$213,205	$196,871	$60,359
2020	$163,979	$196,539	$136,512	$-32,560
2019	$228,530	$219,171	$169,072	$9,359
2018	$230,855	$224,674	$159,713	$6,181

CHEEKTOWAGA CENTRAL TEACHERS' ASSOCIATION BENEFIT TRUST