KINGSTON TRUST FUND (EIN 166456453) - 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

1997

Legal Domicile

Principal Officer

LAURI NACCARATO

Phone

8453385422

Tax Period

2023-07-01 to 2024-06-30

KINGSTON TRUST FUND, founded in 1997, is a mid-sized nonprofit in the Mutual Benefit sector that reported $37.4M in total revenue in fiscal year 2023.

Mission

PROVIDE EXCELLENT HEALTH AND WELFARE BENEFITS TO ELIGIBLE MEMBERS OF THE KINGSTON TEACHERS' FEDERATION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $35,985,110

Investment Income $1,306,934

Other Revenue $91,241

TOTAL REVENUE $37,383,285

Expense Breakdown

Grants Paid $0

Salaries & Benefits $218,147

Fundraising Expenses $0

Other Expenses $1,707,415

TOTAL EXPENSES $37,272,316

Year-over-Year Comparison

	2023	2022	Change
Revenue	$37,383,285	$34,877,168	+0.1%
Expenses	$37,272,316	$34,988,155	+0.1%
Net Income	$110,969	$-110,987	-2.0%

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

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

$184,781

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAURI NACCARATO	EXECUTIVE DI	60.00	Officer	$184,781	$0	$184,781
ERIC KOCH	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
LINDSAY ORR	TREASURER	1.00	Officer Director	$0	$0	$0
BRUCE COBB	SECRETARY	1.00	Officer Director	$0	$0	$0
GAIL DIAMOND	TRUSTEE	1.00	Director	$0	$0	$0
BRIAN WILLIAMS	TRUSTEE	1.00	Director	$0	$0	$0
BONNIE VAN KLEECK	TRUSTEE	1.00	Director	$0	$0	$0
CHRISTINA BOYLE	TRUSTEE	N/A	Director	$0	$0	$0
HUGH SPOLJARIC	FORMER EXECU	60.00		$0	$404,997	$404,997

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
2024	$37,383,285	$37,272,316	$43,859,894	$110,969
2023	$34,877,168	$34,988,155	$39,261,868	$-110,987
2022	$32,714,345	$27,403,045	$37,971,438	$5,311,300
2021	$31,419,249	$27,728,757	$35,204,756	$3,690,492
2020	$31,374,113	$24,580,220	$30,204,074	$6,793,893
2019	$30,731,405	$29,693,381	$24,615,645	$1,038,024
2018	$28,152,399	$24,129,873	$22,005,735	$4,022,526

KINGSTON TRUST FUND