PHILADELPHIA ORCHESTRA RETIREES AND FRIENDS INC (EIN 232666507) - 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

1995

Legal Domicile

Principal Officer

PAUL KRZYWICKI

Phone

2158361120

Tax Period

2025-01-01 to 2025-12-31

PHILADELPHIA ORCHESTRA RETIREES AND FRIENDS INC, founded in 1995, is a micro nonprofit in the Arts, Culture & Humanities sector that reported $20K in total revenue in fiscal year 2025. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $19K, a strong 92% operating margin.

Mission

TO FURNISH RETIRED MEMBERS WITH SUPPLEMENTARY PENSION & HEALTH INSURANCE PAYMENTS

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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 $14,215

Program Service Revenue $0

Investment Income $5,890

Other Revenue $0

TOTAL REVENUE $20,105

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $875

Other Expenses $1,527

TOTAL EXPENSES $1,527

Year-over-Year Comparison

	2025	2024	Change
Revenue	$20,105	$15,411	+0.3%
Expenses	$1,527	$1,771	-0.1%
Net Income	$18,578	$13,640	+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

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
SEE ATTACHED	SEE ATTACHED	0.00	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	$20,105	$1,527	$154,089	$18,578
2024	$15,411	$1,771	$135,510	$13,640
2023	$19,372	$1,766	$121,870	$17,606
2022	$13,124	$1,909	$104,265	$11,215
2021	$13,700	$900	No data	$12,800
2020	$10,679	$8,810	$80,250	$1,869
2019	$21,984	$11,517	$78,380	$10,467
2018	$23,897	$11,256	$67,914	$12,641

PHILADELPHIA ORCHESTRA RETIREES AND FRIENDS INC