Ramapo PBA Inc (EIN 510234061) - 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

1975

Legal Domicile

Principal Officer

John Genito

Phone

8453572400

Tax Period

2023-01-01 to 2023-12-31

Ramapo PBA Inc, founded in 1975, is a small nonprofit that reported $134K in total revenue in fiscal year 2023. Revenue fell 33% from the prior year — a significant decline worth monitoring. Expenses of $173K exceeded revenue, resulting in a 30% operating deficit.

Mission

The organizations primary mission is to provide its members with benefits and to promote social and fraternal activities.

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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 $153,430

Program Service Revenue $0

Investment Income $12,316

Other Revenue $-32,110

TOTAL REVENUE $133,636

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $69,760

Other Expenses $173,114

TOTAL EXPENSES $173,114

Year-over-Year Comparison

	2023	2022	Change
Revenue	$133,636	$199,829	-0.3%
Expenses	$173,114	$140,165	+0.2%
Net Income	$-39,478	$59,664	-1.7%

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

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	Role	Reportable Comp	Other Comp	Total
Julianne Franklin	President	Officer Director	$0	$0	$0
Andres Sanchez	VP	Officer Director	$0	$0	$0
William Gravina	VP	Officer Director	$0	$0	$0
John Genito	Treasurer	Officer Director	$0	$0	$0
Sean Baird	Secretary	Officer 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
2024	No data	No data	No data	No data
2023	$133,636	$173,114	$566,245	$-39,478
2022	$199,829	$140,165	$544,403	$59,664
2021	$200,202	$144,834	$599,546	$55,368
2020	$160,269	$105,051	$539,599	$55,218
2019	$143,286	$145,123	$419,792	$-1,837
2018	$111,820	$95,024	$373,623	$16,796

Ramapo PBA Inc