SAN JOSE RETIRED EMPLOYEES (EIN 770274169) - 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

1991

Legal Domicile

Principal Officer

JULIA COOPER

Phone

4089211556

Tax Period

2025-01-01 to 2025-12-31

SAN JOSE RETIRED EMPLOYEES, founded in 1991, is a small nonprofit that reported $381K in total revenue in fiscal year 2025. The organization ran a surplus of $236K, a strong 62% operating margin.

Mission

THE MISSION OF THE SAN JOSE RETIRED EMPLOYEES ASSOCIATION (SJREA) IS TO PROVIDE A SOCIAL AND EDUCATIONAL FORUM FOR RETIRED EMPLOYEES OF THE CITY OF SAN JOSE AND TO SUPPORT EFFORTS TO PRESERVE PENSION BENEFITS FOR ALL CITY OF SAN JOSE RETIREES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $297,096

Investment Income $79,770

Other Revenue $4,445

TOTAL REVENUE $381,311

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,800

Fundraising Expenses $0

Other Expenses $128,257

TOTAL EXPENSES $145,057

Year-over-Year Comparison

	2025	2024	Change
Revenue	$381,311	$355,839	+0.1%
Expenses	$145,057	$130,781	+0.1%
Net Income	$236,254	$225,058	+0.0%

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

$13,200

Total Directors

$16,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAY CASTELLANO	PRESIDENT	10.00	Officer Director	$3,600	$0	$3,600
DAVE ARMSTRONG	1ST VICE PRE	4.00	Officer Director	$2,400	$0	$2,400
JOHN PLETSCH	2ND VICE PRE	2.00	Officer Director	$2,400	$0	$2,400
JOAN LOCKWOOD	SECRETARY	10.00	Officer Director	$2,400	$0	$2,400
JULIA COOPER	TREASURER	10.00	Officer Director	$2,400	$0	$2,400
ANGIE ALFARO	BOARD MEMBER	2.00	Director	$0	$0	$0
YOLANDA CRUZ	BOARD MEMBER	2.00	Director	$0	$0	$0
GAIL DANCE	BOARD MEMBER	2.00	Director	$0	$0	$0
SUSAN DEVENCENZI	BOARD MEMBER	2.00	Director	$0	$0	$0
LISA HARDING	BOARD MEMBER	2.00	Director	$0	$0	$0
DENNIS HAWKINS	BOARD MEMBER	2.00	Director	$0	$0	$0
MARK LINDER	BOARD MEMBER	2.00	Director	$3,600	$0	$3,600
CATHY MORREY	BOARD MEMBER	2.00	Director	$0	$0	$0
FRAN VADER	BOARD MEMBER	2.00	Director	$0	$0	$0
DEBBI WARKENTIN	BOARD MEMBER	2.00	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	$381,311	$145,057	$2,546,631	$236,254
2024	$355,839	$130,781	$2,370,904	$225,058
2023	$331,607	$100,879	$2,119,239	$230,728
2022	$286,033	$61,291	$1,888,031	$224,742
2021	$283,226	$255,072	$1,663,289	$28,154
2020	$304,899	$59,328	$1,635,135	$245,571
2019	$294,286	$349,943	$1,389,564	$-55,657
2018	$262,620	$52,985	$1,445,221	$209,635

SAN JOSE RETIRED EMPLOYEES