44 COURT STREET SUITE 1217, BROOKLYN, NY, 11201
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Back to SearchThis research-based framework evaluates financial vulnerability by examining four critical risk factors: (1) Equity Deficiency - whether the organization has enough reserves to survive 3+ months without income, (2) Revenue Concentration - whether income is too dependent on one source, (3) Administrative Flexibility - whether admin costs are so low the organization can't cut them in a crisis, and (4) Operating Sustainability - whether they're running deficits. Each factor that falls outside the safe threshold is "flagged." The more flags, the higher the risk of financial distress.
📊 Fewer flags = Lower financial vulnerability and risk
Source: Tuckman & Chang (1991) framework; conservative thresholds validated against 2.08M+ IRS Form 990 filings (Feb 2026) — flags more orgs than strict quintile approach for early-warning detection
Academic framework for nonprofit financial sustainability (Tuckman & Chang, 1991)
This measures how concentrated or diversified the organization's revenue sources are. A score of 1.0 means all revenue comes from one source (maximum risk). Lower scores mean revenue is spread across multiple sources, making the organization more resilient if one source disappears. We analyze 9 revenue categories: government grants, private contributions, membership dues, fundraising events, federated campaigns, related organizations, program service revenue, investment income, and other revenue.
📊 Lower = More diversified revenue streams
Source: Herfindahl-Hirschman Index adapted for nonprofits (Tuckman-Chang)
About: The Tuckman-Chang framework identifies four key indicators of financial vulnerability. 0 flags = low risk, 1–2 = moderate risk, 3–4 = high risk. Validated across thousands of nonprofits since 1991.
PELOTON VENTURES LLC VOLUNTARY EMPLOYEES BENEFICIARY ASSOCIATION TRUST is a tax-exempt nonprofit with EIN 832674932, based in 44 COURT STREET SUITE 1217, BROOKLYN, NY, 11201. Founded in 2017, the organization files IRS Form 990 and reported its most recent data for fiscal year 2019. In that period, it reported $5,689 in total revenue and $291,213 in total expenses. Its Trantor Score is 516 (Poor), reflecting its financial health based on liquidity, solvency, and operational efficiency.
THE PELOTON VENTURES, LLC. VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION TRUST (THE "TRUST") IS FUNDED BY PELOTON VENTURES, LLC. THE TRUST IS REFERRED TO AS A VOLUNTARY EMPLOYEE BENEFICIARY ASSOCIATION OR VEBA. THE TRUST WAS ESTABLISHED TO FUND THE OPERATIONS OF THE PLAN.
Financial Health & Payment Capacity Assessment
Score based on: Liquidity (40%), Solvency (30%), Sustainability (20%), Efficiency (10%)
| 2019 | 2018 | Change | |
|---|---|---|---|
| Revenue | $5,689 | $9,012 | -36.9% |
| Expenses | $291,213 | $4,194 | +6843.6% |
| Net Income | $-285,524 | $4,818 | -6026.2% |
This tells you how many months the organization could continue operating if all income suddenly stopped. It's like an emergency fund. Organizations with 6+ months can weather storms, while those with less than 3 months are vulnerable to cash flow problems.
📊 More is better - Operating runway available
Source: Nonprofits should maintain 3-6 months of operating expenses
Formula: Current Assets - Current Liabilities
📊 Positive = Can cover short-term obligations
This shows what percentage of the organization's income comes from selling services or products (like tuition, memberships, or event fees) rather than donations. A higher percentage means they're less dependent on the generosity of donors and have more stable, predictable revenue. Organizations above 50% are considered self-sustaining.
📊 Higher = Less dependent on donations
This shows what percentage of the organization's income comes from donations and grants. Organizations that rely heavily on donations (over 75%) are more vulnerable to economic downturns or changes in donor preferences. Organizations with less than 50% dependence have more diversified, stable revenue streams.
📊 Lower is better - More diversified revenue
This shows what percentage of total spending goes to administrative costs like salaries, office rent, and utilities. While donors prefer low overhead (10-20%), organizations that are too lean (under 10%) may lack the infrastructure needed to operate effectively or adapt during tough times.
📊 Target 10-20% - Balance between efficiency and resilience
⚠️ ⚠️ Two Ways to Look at Admin Costs
From an efficiency view, lower is better. But from a resilience view, very low admin (under 10%) means the organization runs so lean that it has no room to cut costs during a crisis. The sweet spot is 10-20%.
Source: Inspired by Tuckman & Chang (1991) framework; threshold 0.10 is a conservative sector standard (empirical P20 = 0.00 on 2.08M filings)
The surplus margin shows whether the organization is making or losing money. It's the extra revenue (profit) after covering all costs, shown as a percentage of total revenue. A positive number means they're building reserves, while negative means they're spending more than they're bringing in.
📊 Positive is healthy, negative indicates deficit
| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| N/A | TRUSTEE | 1.00 |
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2019 | $5,689 | $291,213 | No data | $-285,524 |
| 2018 | $9,012 | $4,194 | $9,184 | $4,818 |
Compare PELOTON VENTURES LLC VOLUNTARY EMPLOYEES BENEFICIARY ASSOCIATION TRUST with other nonprofits in New York and across the country.