OSWEGO CLASSROOM TEACHERS ASSOC BENEFIT FUND (EIN 222177796) - 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

1976

Legal Domicile

Principal Officer

CARRIE PATANE

Phone

3153748111

Tax Period

2024-07-01 to 2025-06-30

OSWEGO CLASSROOM TEACHERS ASSOC BENEFIT FUND, founded in 1976, is a small nonprofit that reported $675K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

PROVIDES DENTAL AND VISION CARE BENEFITS TO MEMBERS OF THE OSWEGO CLASSROOM TEACHERS ASSOCIATION COLLECTIVE BARGAINING

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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 $657,220

Investment Income $17,602

Other Revenue $0

TOTAL REVENUE $674,822

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $714,721

Other Expenses $731,694

TOTAL EXPENSES $731,694

Year-over-Year Comparison

	2024	2023	Change
Revenue	$674,822	$610,949	+0.1%
Expenses	$731,694	$693,581	+0.1%
Net Income	$-56,872	$-82,632	-0.3%

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
JENNIFER CAHILL	TRUSTEE	5.00	Director	$0	$0	$0
DANIEL ROSE	TRUSTEE	5.00	Director	$0	$0	$0
MICHAEL PATANE	TRUSTEE	5.00	Director	$0	$0	$0
KIMBERLY LEROY	TRUSTEE	5.00	Director	$0	$0	$0
ROGER SPRAGUE	TRUSTEE PAST CHAIRPERSON	5.00	Director	$0	$0	$0
JESSICA BURRIDGE	TRUSTEE	0.00	Director	$0	$0	$0
CARRIE PATANE	CHAIRPERSON	5.00	Officer	$0	$0	$0
MICHELLE MCMANUS	SECRETARY	5.00	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	$674,822	$731,694	$675,858	$-56,872
2024	$610,949	$693,581	$732,730	$-82,632
2023	$1,070,475	$688,835	$824,774	$381,640
2019	$577,845	$573,090	$745,760	$4,755
2018	$565,088	$522,269	$736,104	$42,819

OSWEGO CLASSROOM TEACHERS ASSOC BENEFIT FUND