OP&CM APPRENTICE TRAINING & EDUCATIONAL FUND (EIN 651185069) - 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

2003

Legal Domicile

Principal Officer

MARC GALLO

Tax Period

2023-01-01 to 2023-12-31

OP&CM APPRENTICE TRAINING & EDUCATIONAL FUND, founded in 2003, is a micro nonprofit in the Education sector that reported $95K in total revenue in fiscal year 2023. Revenue decreased 15% compared to the prior year. Expenses of $148K exceeded revenue, resulting in a 56% operating deficit.

Mission

APPRENTICE TRAINING AND EDUCATION

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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 $100,669

Investment Income $-5,811

Other Revenue $0

TOTAL REVENUE $94,858

Expense Breakdown

Grants Paid $0

Salaries & Benefits $88,851

Fundraising Expenses $0

Program Expenses $117,766

Other Expenses $59,249

TOTAL EXPENSES $148,100

Year-over-Year Comparison

	2023	2022	Change
Revenue	$94,858	$111,885	-0.2%
Expenses	$148,100	$137,183	+0.1%
Net Income	$-53,242	$-25,298	+1.1%

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

$91,037

Total Directors

$83,022

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARC GALLO	PLAN ADMINISTRATOR	10.00	Officer	$29,919	$25,215	$91,037
VINCENT FRANTANTONI	COORDINATOR AND TRUSTEE	10.00	Director	$31,049	$10,846	$41,895
CHARLES ROLON JR	TRUSTEE	1.00	Director	$0	$11,208	$41,127
TIMOTHY MULLIN	TRUSTEE	1.00	Director	$0	$0	$0
PETER NATALE	TRUSTEE	1.00	Director	$0	$0	$0
THOMAS GREGER	TRUSTEE	1.00	Director	$0	$0	$0
PETER GARCIULO	TRUSTEE	1.00	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
2023	$94,858	$148,100	$253,326	$-53,242

OP&CM APPRENTICE TRAINING & EDUCATIONAL FUND