TRAVEL CONSUMER RESTITUTION CORPORATION (EIN 954527527) - 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

1995

Legal Domicile

Principal Officer

JULIET VERCELLI

Phone

5308094220

Tax Period

2024-07-01 to 2025-06-30

TRAVEL CONSUMER RESTITUTION CORPORATION, founded in 1995, is a small nonprofit that reported $770K in total revenue in fiscal year 2024. Revenue surged 87% from the prior year, signaling strong growth momentum. The organization ran a surplus of $486K, a strong 63% operating margin.

Mission

RESTITUTION TO AGGRIEVED TRAVELERS

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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 $0

Program Service Revenue $640,421

Investment Income $129,607

Other Revenue $0

TOTAL REVENUE $770,028

Expense Breakdown

Grants Paid $0

Salaries & Benefits $97,522

Fundraising Expenses $0

Program Expenses $270,150

Other Expenses $186,022

TOTAL EXPENSES $283,544

Year-over-Year Comparison

	2024	2023	Change
Revenue	$770,028	$411,153	+0.9%
Expenses	$283,544	$176,175	+0.6%
Net Income	$486,484	$234,978	+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

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	Role	Reportable Comp	Other Comp	Total
JULIET VERCELLI	PRESIDENT	Officer Director	$0	$0	$0
PUNEET GURNANI	VICE PRESIDENT	Officer Director	$0	$0	$0
TED BRADPIECE	SECRETARY	Officer Director	$0	$0	$0
PATRICK MCCLOSKEY	TREASURER	Officer Director	$0	$0	$0
JOYCE SIMMONS	EXECUTIVE DIRECTOR	Director	$0	$0	$0
JOSEPH RAGAZZO	DIRECTOR	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	$770,028	$283,544	$4,011,810	$486,484
2024	$411,153	$176,175	$3,525,068	$234,978
2023	$354,295	$138,516	$3,290,057	$215,779
2022	$291,192	$189,486	$3,074,278	$101,706
2021	$106,011	$617,333	$2,972,572	$-511,322
2020	$530,877	$391,170	$3,484,894	$139,707
2019	$290,747	$201,151	$3,345,187	$89,596
2018	$333,383	$182,894	$3,255,591	$150,489

TRAVEL CONSUMER RESTITUTION CORPORATION