CATSKILL TEACHERS ASSOCIATION BENEFIT TRUST FUND (EIN 743032986) - 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

NANCY KUNZ

Phone

5183698243

Tax Period

2023-07-01 to 2024-06-30

CATSKILL TEACHERS ASSOCIATION BENEFIT TRUST FUND, founded in 2003, is a small nonprofit in the Mutual Benefit sector that reported $224K in total revenue in fiscal year 2023.

Mission

CATSKILL TEACHER'S ASSOCIATION BENEFIT TRUST FUND WAS FORMED VIA A COLLECTIVE BARGAINING AGREEMENT FOR THE BENEFIT OF THE CATSKILL TEACHERS ASSOCIATION'S MEMBERS. THE CATSKILL CENTRAL SCHOOL DISTRICT IS THE FUND SPONSOR. THE FUND PROVIDES DENTAL CARE AND VISION BENEFITS FOR THE BENEFIT OF DISTRICT EMPLOYEES.

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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 $223,559

Investment Income $66

Other Revenue $0

TOTAL REVENUE $223,625

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,000

Fundraising Expenses $0

Other Expenses $19,291

TOTAL EXPENSES $219,628

Year-over-Year Comparison

	2023	2022	Change
Revenue	$223,625	$235,113	0.0%
Expenses	$219,628	$228,666	0.0%
Net Income	$3,997	$6,447	-0.4%

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

$3,500

Total Directors

$3,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY KUNZ	PRESIDENT	5.00	Officer Director	$1,500	$0	$1,500
NANCY BRUNO	TREASURER	5.00	Officer Director	$2,000	$0	$2,000
WENDY CASALINO	TRUSTEE	1.00	Director	$0	$0	$0
CHERYL CINATTI	RESIGNED 4/3	1.00	Director	$0	$0	$0
STEFANIE LOOMIS	TREASURER	5.00	Officer Director	$0	$0	$0
CAITLIN DAVIS	TRUSTEE	1.00	Director	$0	$0	$0
NICK FABIANO	TRUSTEE	1.00	Director	$0	$0	$0
LISA BEERS	TRUSTEE	1.00	Director	$0	$0	$0
JAMIE NASSAR	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
2025	No data	No data	No data	No data
2024	$223,625	$219,628	$149,392	$3,997
2023	$235,113	$228,666	$144,645	$6,447

CATSKILL TEACHERS ASSOCIATION BENEFIT TRUST FUND