Institute for Education in Retirement Inc (EIN 832772468) - 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

2018

Legal Domicile

Principal Officer

ruth Mackaman

Phone

2122185549

Tax Period

2024-07-01 to 2025-06-30

Institute for Education in Retirement Inc, founded in 2018, is a small nonprofit in the Education sector that reported $121K in total revenue in fiscal year 2024. The organization ran a surplus of $52K, a strong 43% operating margin.

Mission

The Institute for Education in Retirement is dedicated to supporting intellectually challenging peer learning and community engagement opportunities to post-career New Yorkers.

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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 (2024)

Revenue Breakdown

Contributions & Grants $92,310

Program Service Revenue $0

Investment Income $29,086

Other Revenue $0

TOTAL REVENUE $121,396

Expense Breakdown

Grants Paid $10,658

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $41,279

Other Expenses $58,884

TOTAL EXPENSES $69,542

Year-over-Year Comparison

	2024	2023	Change
Revenue	$121,396	$127,722	0.0%
Expenses	$69,542	$74,328	-0.1%
Net Income	$51,854	$53,394	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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ruth Mackaman	President	1.0	Officer Director	$0	$0	$0
Patrick Siconolfi	Vice President and Treasurer	1.0	Officer Director	$0	$0	$0
Lynn Brenner	Secretary	1.0	Officer Director	$0	$0	$0
Linda Anstendig	Exec Comm Member at Large	1.0	Officer Director	$0	$0	$0
Jay Adler	Board Member	1.0	Director	$0	$0	$0
Edward Brill	Board Member	1.0	Director	$0	$0	$0
Robert Cohn	Board Member	1.0	Director	$0	$0	$0
Elizabeth Dalton	Board Member	1.0	Director	$0	$0	$0
Susan Herman	Board Member	1.0	Director	$0	$0	$0
Leslie Herrmann	Board Member	1.0	Director	$0	$0	$0
Carolyn Preiss	Board Member	1.0	Director	$0	$0	$0
Judith Siegel	Board Member	1.0	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	$121,396	$69,542	$1,316,170	$51,854
2024	$127,722	$74,328	$1,174,243	$53,394
2023	$167,422	$96,067	$1,042,346	$71,355
2022	$82,348	$36,969	$898,825	$45,379
2020	$73,133	$15,102	$984,961	$58,031

Institute for Education in Retirement Inc