USMXCCCSCNYSA VOLUNTARY BENEFICIARY ASSOCIATION (EIN 223309540) - 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

1994

Legal Domicile

Phone

7324042973

Tax Period

2025-01-01 to 2025-12-31

USMXCCCSCNYSA VOLUNTARY BENEFICIARY ASSOCIATION, founded in 1994, is a small nonprofit in the Employment sector that reported $941K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $496K, a strong 53% operating margin.

Mission

To provide reimbursement of medical premiums to retirees.

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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 $0

Investment Income $941,054

Other Revenue $0

TOTAL REVENUE $941,054

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $444,944

Other Expenses $21,985

TOTAL EXPENSES $444,945

Year-over-Year Comparison

	2025	2024	Change
Revenue	$941,054	$820,271	+0.1%
Expenses	$444,945	$404,583	+0.1%
Net Income	$496,109	$415,688	+0.2%

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	Role	Reportable Comp	Other Comp	Total
F Paul DeMaria	Trustee	Director	$0	$0	$0
John J Nardi	Trustee	Director	$0	$0	$0
Anthony J Dalonges	Trustee	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	$941,054	$444,945	$22,297,544	$496,109
2024	$820,271	$404,583	$19,980,151	$415,688
2023	$764,698	$396,223	$18,355,619	$368,475
2022	$926,753	$380,602	$16,727,901	$546,151
2021	$763,103	$354,618	$19,830,081	$408,485
2020	$1,956,679	$360,319	$17,329,666	$1,596,360

USMXCCCSCNYSA VOLUNTARY BENEFICIARY ASSOCIATION