NORTH SHORE SCHOOLS FEDERATED EMPLOYEES BENEFIT TRUST FUND (EIN 200870866) - 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

2003

Legal Domicile

Principal Officer

Deborah Novick

Phone

5167599337

Tax Period

2024-06-01 to 2025-05-31

NORTH SHORE SCHOOLS FEDERATED EMPLOYEES BENEFIT TRUST FUND, founded in 2003, is a small nonprofit in the Mutual Benefit sector that reported $785K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE SUPPLEMENTAL HEALTH AND OTHER BENEFITS TO ELIGIBLE PARTICIPANTS COVERED BY COLLECTIVE BARGAINING AGREEMENTS.

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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 $752,247

Investment Income $32,874

Other Revenue $0

TOTAL REVENUE $785,121

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,985

Fundraising Expenses $0

Other Expenses $47,205

TOTAL EXPENSES $804,604

Year-over-Year Comparison

	2024	2023	Change
Revenue	$785,121	$683,051	+0.1%
Expenses	$804,604	$803,514	+0.0%
Net Income	$-19,483	$-120,463	-0.8%

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

Total Directors

$96,952

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Susan McCormack	Director	15.00	Director	$40,051	$0	$44,552
Greg Perles	Chairperson	2.00	Director	$10,302	$0	$39,652
Deborah Novick	Trustee	1.00	Director	$1,841	$0	$7,826
Christine Halloran	Past Trustee	1.00	Director	$1,624	$0	$1,674
Bruce Fichtman	Trustee	1.00	Director	$1,624	$0	$1,624
Tiffany Falcone	Trustee	1.00	Director	$1,624	$0	$1,624
Heather Liberman	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
2025	$785,121	$804,604	$566,723	$-19,483
2024	$683,051	$803,514	$591,496	$-120,463
2023	$708,471	$735,174	$663,189	$-26,703
2022	$659,052	$703,270	$674,331	$-44,218
2021	$640,056	$643,072	$704,632	$-3,016
2020	$628,768	$587,289	$707,648	$41,479
2019	$648,585	$615,126	$666,169	$33,459
2018	$654,893	$588,653	$644,350	$66,240

NORTH SHORE SCHOOLS FEDERATED EMPLOYEES BENEFIT TRUST FUND