RETIRED TEACHERS ASSOCIATION OF CHICAGO (EIN 362214641) - 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

1951

Legal Domicile

Phone

3127501522

Tax Period

2024-01-01 to 2024-12-31

RETIRED TEACHERS ASSOCIATION OF CHICAGO, founded in 1951, is a community nonprofit in the Mutual Benefit sector that reported $1.0M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $744K, a strong 74% operating margin.

Mission

TO SERVE AS THE PRIMARY ADVOCATE FOR RETIRED CHICAGO PUBLIC SCHOOL EDUCATORS AND TO EMPOWER THEM BY ENGAGING IN ACTIVITIES AND SERVICES THAT WILL PROMOTE THEIR WELL-BEING WITH PARTICULAR EMPHASIS ON THE MAINTENANCE OF THEIR PENSIONS AND ANCILLLARY BENEFITS.

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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 $90,847

Program Service Revenue $0

Investment Income $897,048

Other Revenue $20,864

TOTAL REVENUE $1,008,759

Expense Breakdown

Grants Paid $0

Salaries & Benefits $78,363

Fundraising Expenses $0

Program Expenses $231,047

Other Expenses $185,952

TOTAL EXPENSES $264,315

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,008,759	$885,033	+0.1%
Expenses	$264,315	$249,710	+0.1%
Net Income	$744,444	$635,323	+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

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

$43,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARLENE CRANDALL	Executive Dir.	40.00	Officer	$43,200	$0	$43,200
LILLIAN H DEGAND	Director	0.00	Director	$0	$0	$0
ROY COLEMAN	Director	0.00	Director	$0	$0	$0
RAPHAEL A JUSS	Director	0.00	Director	$0	$0	$0
KEVIN B HUBER	Director	0.00	Director	$0	$0	$0
JUANITA JORDAN	Director	0.00	Director	$0	$0	$0
CARLENE LUTZ	Director	0.00	Director	$0	$0	$0
JOHN C LILLIG	Director	0.00	Director	$0	$0	$0
DEBRA C NELSON	Director	0.00	Director	$0	$0	$0
ELIZABETH A MACKIE	Director	0.00	Director	$0	$0	$0
MARY SHARON REILLY	Director	0.00	Director	$0	$0	$0
MARIA J RODRIGUEZ	Director	0.00	Director	$0	$0	$0
SYLVIA STUART	Director	0.00	Director	$0	$0	$0
BERNICE S ESHOO	Director	0.00	Director	$0	$0	$0
MARIA FRESSE-GIFFELS	Director	0.00	Director	$0	$0	$0
MARY E PUENTE	Director	0.00	Director	$0	$0	$0
ELAINE L SCHAIN	Director	0.00	Director	$0	$0	$0
LOUELLA B PRESTON	President	0.00	Officer	$0	$0	$0
HUBERT C JACKSON JR	Treasurer	0.00	Officer	$0	$0	$0
RITA M NAUGHTON	1ST VICE PRES.	0.00	Officer	$0	$0	$0
PATRICK M KEATING	2ND VICE PRES.	0.00	Officer	$0	$0	$0
LINDA R WILLIAMS	IMMEDIATE PAST PRESIDENT	0.00		$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
2024	$1,008,759	$264,315	$9,724,043	$744,444
2023	$885,033	$249,710	$8,979,599	$635,323
2022	$470,873	$236,915	$7,941,133	$233,958
2021	$378,075	$223,414	$9,459,643	$154,661
2020	$436,558	$217,782	$8,465,106	$218,776
2019	$482,027	$274,631	$7,403,981	$207,396
2018	$1,078,756	$299,864	$6,368,270	$778,892

RETIRED TEACHERS ASSOCIATION OF CHICAGO