MUTUAL BENEFICIAL ASSOCIATION INC (EIN 236000755) - 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

1913

Legal Domicile

Principal Officer

Stephen Santarlasci

Phone

6107220253

Tax Period

2025-01-01 to 2025-12-31

MUTUAL BENEFICIAL ASSOCIATION INC, founded in 1913, is a mid-sized nonprofit in the Mutual Benefit sector that reported $10.1M in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year.

Mission

Fraternal benefit society serving the transportation industry and their family members and providing fraternal and charitable contributions to these employees and in the general community.

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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 $10,092,252

Investment Income $0

Other Revenue $0

TOTAL REVENUE $10,092,252

Expense Breakdown

Grants Paid $0

Salaries & Benefits $735,296

Fundraising Expenses $0

Program Expenses $0

Other Expenses $460,238

TOTAL EXPENSES $10,039,889

Year-over-Year Comparison

	2025	2024	Change
Revenue	$10,092,252	$10,914,064	-0.1%
Expenses	$10,039,889	$11,086,362	-0.1%
Net Income	$52,363	$-172,298	-1.3%

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

Volunteers

275

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

$520,653

Total Directors

$520,653

Key Employees

$509,253

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mary L Gibney	General Secretary	55	Officer Director Key Emp Highest	$200,482	$0	$200,482
Thomas Catanach	General Treasurer	50	Officer Director Key Emp	$191,896	$0	$191,896
Stephen M Santarlasci	General President	50	Officer Director Key Emp	$116,875	$0	$116,875
Richard O Dietrich	General Vice President	2	Officer Director	$5,800	$0	$5,800
John C Carini	Director	1	Officer Director	$5,600	$0	$5,600

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	$10,092,252	$10,039,889	$128,279,100	$52,363
2024	$10,914,064	$11,086,362	$128,205,778	$-172,298
2023	$11,785,428	$11,722,473	$131,839,304	$62,955
2022	$20,036,739	$19,888,190	$132,759,628	$148,549
2021	$16,714,771	$16,245,868	$127,426,384	$468,903
2020	$15,240,993	$14,684,283	$123,181,740	$556,710
2019	$17,963,626	$17,842,564	$117,257,839	$121,062
2018	$15,991,215	$15,881,537	$111,618,665	$109,678

MUTUAL BENEFICIAL ASSOCIATION INC