RAILROAD COOPERATION & EDUCATION TRUST (EIN 371383839) - 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

1999

Legal Domicile

Principal Officer

TIM RYAN

Phone

2177896994

Tax Period

2024-05-01 to 2025-04-30

RAILROAD COOPERATION & EDUCATION TRUST, founded in 1999, is a small nonprofit in the Employment sector that reported $561K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $208K, a strong 37% operating margin.

Mission

ADDRESS LABOR-MANAGEMENT NEEDS OF RAILROAD MAINTENANCE INDUSTRY IN U.S.

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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 $373,032

Investment Income $60,887

Other Revenue $127,053

TOTAL REVENUE $560,972

Expense Breakdown

Grants Paid $0

Salaries & Benefits $147,419

Fundraising Expenses $0

Other Expenses $205,988

TOTAL EXPENSES $353,407

Year-over-Year Comparison

	2024	2023	Change
Revenue	$560,972	$509,893	+0.1%
Expenses	$353,407	$366,822	0.0%
Net Income	$207,565	$143,071	+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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE CISCO	TRUSTEE	0.00	Director	$0	$0	$0
JAMES DALOISIO	SEC/TREAS	0.00	Officer Director	$0	$0	$0
MATT SMITH	TRUSTEE	0.00	Director	$0	$0	$0
MARK A BROWN	TRUSTEE	0.00	Director	$0	$0	$0
DAVID A FAGAN	TRUSTEE	0.00	Director	$0	$0	$0
LINDA LAURELLO	TRUSTEE	0.00	Director	$0	$0	$0
BILL MORREN	TRUSTEE	0.00	Director	$0	$0	$0
DAVID FRYE	CHAIRMAN	0.00	Officer Director	$0	$0	$0
TIM RYAN	DIRECTOR	20.00	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	$560,972	$353,407	$1,756,795	$207,565
2024	$509,893	$366,822	$1,501,444	$143,071
2023	$452,374	$393,738	$1,349,238	$58,636
2022	$439,916	$370,181	$1,314,741	$69,735
2021	$351,437	$349,166	$1,393,663	$2,271
2020	$344,279	$385,728	$1,278,620	$-41,449
2019	$405,010	$412,093	$1,345,056	$-7,083

RAILROAD COOPERATION & EDUCATION TRUST