SAUGERTIES TEACHERS ASSOCIATION BENEFIT TRUST (EIN 208449404) - 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

2006

Legal Domicile

Principal Officer

JANICE MARTIN

Tax Period

2023-07-01 to 2024-06-30

SAUGERTIES TEACHERS ASSOCIATION BENEFIT TRUST, founded in 2006, is a small nonprofit in the Employment sector that reported $510K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $110K, a strong 22% operating margin.

Mission

TO PROVIDE MEDICAL, LIFE, SICK, ACCIDENT DISABILITY, LEGAL SERVICES, VISION, DENTAL AND OTHER SIMILAR BENEFITS FOR PLAN PARTICIPANTS, THEIR DEPENDETS AND THEIR BENEFICIARIES.

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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 $509,280

Investment Income $423

Other Revenue $0

TOTAL REVENUE $509,703

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $389,857

Other Expenses $9,589

TOTAL EXPENSES $399,446

Year-over-Year Comparison

	2023	2022	Change
Revenue	$509,703	$547,887	-0.1%
Expenses	$399,446	$472,876	-0.2%
Net Income	$110,257	$75,011	+0.5%

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
MICHELE MILGRIM	CO-CHAR	2.0	Officer Director	$0	$0	$0
DENYSE ORTLIEB	CO-CHAIR	3.0	Officer Director	$0	$0	$0
KYLENE LEITER	SECRETARY	2.0	Officer Director	$0	$0	$0
SHAWNA BRUNO	TRUSTEE	1.0	Director	$0	$0	$0
JANICE MARTIN	TREASURER	2.0	Officer Director	$0	$0	$0
ELIZABETH KOVACS	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
TINA BARBER	SESA REPRESENTATIVE	1.0	Officer Director	$0	$0	$0
JUDY HART	STA PRESIDENT	1.0	Officer Director	$0	$0	$0
ALEXANDRA BERNIER	STA VICE-PRESIDENT	1.0	Officer 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	No data	No data	No data	No data
2024	$509,703	$399,446	$476,964	$110,257
2023	$547,887	$472,876	$366,707	$75,011
2022	$464,124	$475,611	$291,696	$-11,487
2021	$457,832	$432,441	$303,183	$25,391
2020	$466,159	$466,396	$277,792	$-237
2019	$457,617	$510,749	$278,029	$-53,132
2018	$451,885	$389,071	$331,161	$62,814

SAUGERTIES TEACHERS ASSOCIATION BENEFIT TRUST