TEACHERS CLUB OF MONTCLAIR (EIN 221322735) - 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

1943

Legal Domicile

Phone

9737462085

Tax Period

2025-01-01 to 2025-12-31

TEACHERS CLUB OF MONTCLAIR, founded in 1943, is a micro nonprofit that reported $91K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $25K, a strong 28% operating margin.

Mission

The mission of Teachers Club of Montclair(TCM) is to provide support for education, students and teachers. TCM offers programs and activities for teachers and provides grants to organizations which provide support to students.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,335

Investment Income $88,819

Other Revenue $0

TOTAL REVENUE $91,154

Expense Breakdown

Grants Paid $49,400

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $62,597

Other Expenses $16,383

TOTAL EXPENSES $65,783

Year-over-Year Comparison

	2025	2024	Change
Revenue	$91,154	$83,176	+0.1%
Expenses	$65,783	$36,384	+0.8%
Net Income	$25,371	$46,792	-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

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
MARIE RINALDI	Trustee	1.00	Director	$0	$0	$0
KATHY RAFFERTY	Trustee	1.00	Director	$0	$0	$0
RON NASPO	Trustee	1.00	Director	$0	$0	$0
ROSEMARIE MASTROPOALO	Treasurer	4.00	Officer	$0	$0	$0
DIANA LUNIN	Vice President	2.00	Officer	$0	$0	$0
SANDRA COOK McKNIGHT	Secretary	2.00	Officer	$0	$0	$0
DONNA KARANJA	President	4.00	Officer	$0	$0	$0
JANET ORR	Secretary	2.00	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	$91,154	$65,783	$1,908,623	$25,371
2024	$83,176	$36,384	$1,859,999	$46,792
2023	$41,555	$38,119	$1,718,748	$3,436
2022	$591,731	$58,079	$1,717,680	$533,652
2021	$85,848	$58,015	$1,200,795	$27,833
2020	$68,373	$31,996	$1,070,778	$36,377
2019	$54,140	$50,587	$1,048,655	$3,553
2018	$81,436	$65,429	$1,032,727	$16,007

TEACHERS CLUB OF MONTCLAIR