SPACKENKILL TEACHERS ASSOC TRUST FUND C/O KEITH HUMPHREY (EIN 223097317) - 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

1990

Legal Domicile

Principal Officer

KEITH HUMPHREY

Phone

8456690044

Tax Period

2024-07-01 to 2025-06-30

SPACKENKILL TEACHERS ASSOC TRUST FUND C/O KEITH HUMPHREY, founded in 1990, is a small nonprofit that reported $435K in total revenue in fiscal year 2024. Expenses of $408K left a modest 6% surplus.

Mission

THE MISSION OF THE ASSOCIATION IS TO SUPPLY LEGAL, DENTAL AND VISION BENEFITS TO THE 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $423,045

Investment Income $11,481

Other Revenue $0

TOTAL REVENUE $434,526

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,438

Fundraising Expenses $0

Other Expenses $25,626

TOTAL EXPENSES $407,849

Year-over-Year Comparison

	2024	2023	Change
Revenue	$434,526	$413,090	+0.1%
Expenses	$407,849	$360,846	+0.1%
Net Income	$26,677	$52,244	-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

$13,954

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KARIN MCGUIRE	TRUST ADMINI	5.00	Officer	$8,696	$0	$8,696
KEITH HUMPHREY	TREASURER	5.00	Officer	$5,258	$0	$5,258
KRISTIN ACKERT	BOARD MEMBER	2.00	Officer	$0	$0	$0
CINDY BATTISTOLI	BOARD MEMBER	2.00	Officer	$0	$0	$0
KIM SCORALICK	SECRETARY	2.00	Officer	$0	$0	$0
KIM SOTTILE	PRESIDENT	3.00	Officer	$0	$0	$0
MELISSA STRAPEC	BOARD MEMBER	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	$434,526	$407,849	$645,929	$26,677
2024	$413,090	$360,846	$619,252	$52,244
2023	$377,720	$335,284	$567,008	$42,436
2022	$372,986	$354,209	$524,572	$18,777
2021	$347,059	$345,681	$505,795	$1,378
2020	$377,315	$308,307	$504,417	$69,008
2019	$383,034	$371,211	$435,409	$11,823

SPACKENKILL TEACHERS ASSOC TRUST FUND C/O KEITH HUMPHREY