NORTHERN SCHOOL DISTRICT TR NSDT

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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

1984

Legal Domicile

Principal Officer

Joanne Long

Phone

7156851833

Tax Period

2023-07-01 to 2024-06-30

NORTHERN SCHOOL DISTRICT TR NSDT, founded in 1984, is a mid-sized nonprofit that reported $19.6M in total revenue in fiscal year 2023. Revenue decreased 11% compared to the prior year.

Mission

Provide health insurance, dental insurance and 125 benefits to school districts and CESA 12.

Program Service Accomplishments

Program 1

Expenses: $1,486,347 Revenue: $1,439,910

Self Insurance Trust to provide dental benefits for school districts and CESA 12.

Program 2

Expenses: $17,959,844 Revenue: $18,066,182

Self Insurance Trust to provide health benefits for school districts and CESA 12

Program 3

Expenses: $59,162 Revenue: $51,640

Self Insurance Trust to provide 125 benefits for school districts and CESA 12.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $19,557,732

Investment Income $0

Other Revenue $0

TOTAL REVENUE $19,557,732

Expense Breakdown

Grants Paid $0

Salaries & Benefits $45,283

Fundraising Expenses $0

Program Expenses $19,505,353

Other Expenses $3,296,858

TOTAL EXPENSES $19,505,354

Year-over-Year Comparison

	2023	2022	Change
Revenue	$19,557,732	$22,062,623	-0.1%
Expenses	$19,505,354	$20,859,489	-0.1%
Net Income	$52,378	$1,203,134	-1.0%

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

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
Amanda Tutor	Trustee	Director	$0	$0	$0
Lexi Witt	Trustee	Director	$0	$0	$0
Mark Dubey	Trustee	Director	$0	$0	$0
LeeAnn Garay	Trustee	Director	$0	$0	$0
Mark Hoefling	Trustee	Director	$0	$0	$0
Janet Kozeneski	Trustee	Director	$0	$0	$0
Joanne Long	Adminstrator	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	No data	No data	No data	No data
2024	$19,557,732	$19,505,354	$7,505,501	$52,378
2023	$22,062,623	$20,859,489	$7,081,967	$1,203,134
2022	$21,626,733	$17,659,829	$7,867,028	$3,966,904
2021	$19,700,380	$18,954,900	$7,100,055	$745,480