LOCAL 464A EDUCATIONAL BENEFIT FUND (EIN 222230709) - 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

1978

Legal Domicile

Principal Officer

JOHN T NICCOLLAI

Phone

9732566790

Tax Period

2025-01-01 to 2025-12-31

LOCAL 464A EDUCATIONAL BENEFIT FUND, founded in 1978, is a small nonprofit that reported $529K in total revenue in fiscal year 2025. Revenue decreased 12% compared to the prior year. The organization ran a surplus of $130K, a strong 25% operating margin.

Mission

EDUCATIONAL BENEFIT PROGRAMS INCLUDING WORKSHOPS, SEMINARS, LECTURES, TRAINING PROGRAMS, SCHOLARSHIPS AND PRE-RETIREMENT COUNSELING FOR ELIGIBLE MEMBERS.

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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 $176,609

Investment Income $352,120

Other Revenue $0

TOTAL REVENUE $528,729

Expense Breakdown

Grants Paid $0

Salaries & Benefits $220,791

Fundraising Expenses $0

Program Expenses $398,648

Other Expenses $177,857

TOTAL EXPENSES $398,648

Year-over-Year Comparison

	2025	2024	Change
Revenue	$528,729	$602,466	-0.1%
Expenses	$398,648	$380,836	+0.0%
Net Income	$130,081	$221,630	-0.4%

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

N/A

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

$1,615,616

Total Directors

$1,715,963

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN T NICCOLLAI	TRUSTEE	1.00	Officer Director	$0	$599	$755,057
RICHARD WHALEN	TRUSTEE	1.00	Officer Director	$0	$599	$491,752
JOHN NICCOLLAI III	TRUSTEE	1.00	Officer Director	$0	$599	$368,807
ROBERT SPINELLA	TRUSTEE	1.00	Director	$0	$0	$0
DAN DOSENBACH	TRUSTEE	1.00	Director	$0	$0	$0
PATRICK DURNING	TRUSTEE	1.00	Director	$0	$0	$0
JOAN WILLIAMSON	ALTERNATE	1.00	Director	$0	$0	$0
JUSTIN RAMOS	ALTERNATE	1.00	Director	$0	$599	$100,347
MATTHEW DURANTE	EMPLOYEE	40.00	Highest	$181,286	$0	$181,286

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	$528,729	$398,648	$8,771,942	$130,081
2024	No data	No data	No data	No data
2023	$364,368	$328,176	$6,805,996	$36,192
2022	$444,194	$326,012	$5,863,029	$118,182
2021	$573,211	$313,206	$6,990,241	$260,005
2020	$438,774	$306,247	$5,948,112	$132,527
2019	$366,017	$307,064	$5,450,145	$58,953
2018	$506,907	$298,725	$4,688,869	$208,182

LOCAL 464A EDUCATIONAL BENEFIT FUND