OWEGO APALACHIN TEACHERS BENEFIT FUND (EIN 166466320) - 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

STEFANIE WIECKHORST

Phone

6076877307

Tax Period

2024-01-01 to 2024-12-31

OWEGO APALACHIN TEACHERS BENEFIT FUND, founded in 1997, is a small nonprofit that reported $341K in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $377K exceeded revenue, resulting in a 10% operating deficit.

Mission

TO PROVIDE DENTAL AND VISION BENEFITS TO MEMBERS AND THEIR FAMILIES THROUGH REIMBURSEMENT OF COSTS PAID BY THEM OR BY DIRECT PAYMENT TO PROVIDERS.

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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 $338,173

Investment Income $2,786

Other Revenue $0

TOTAL REVENUE $340,959

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $10,103

TOTAL EXPENSES $376,550

Year-over-Year Comparison

	2024	2023	Change
Revenue	$340,959	$437,566	-0.2%
Expenses	$376,550	$377,786	0.0%
Net Income	$-35,591	$59,780	-1.6%

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

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
AMANDA HEATH	TRUSTEE	1.00	Director	$0	$0	$0
MARCY HILL	TRUSTEE	1.00	Director	$0	$0	$0
STEFANIE WIECKHORST	CHAIR	1.00	Officer Director	$0	$0	$0
THERESA HEIMBUECHER	TREASURER	1.00	Officer Director	$0	$0	$0
MICHAEL BARTLOW	SECRETARY	1.00	Officer Director	$0	$0	$0
EUGENE KUCHARSKI	TRUSTEE	1.00	Director	$0	$0	$0
SAMANTHA CRAMER	TRUSTEE	1.00	Director	$0	$0	$0
AMY PRITCHARD	TRUSTEE	1.00	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
2024	$340,959	$376,550	$252,359	$-35,591
2023	$437,566	$377,786	$287,950	$59,780
2022	$361,018	$385,702	$228,170	$-24,684
2021	$379,426	$349,948	$252,854	$29,478
2020	$411,378	$351,241	$223,376	$60,137
2019	$338,104	$361,588	$163,239	$-23,484
2018	$375,936	$353,496	$186,723	$22,440

OWEGO APALACHIN TEACHERS BENEFIT FUND