Civic Intelligence

Newburgh Teachers Association Benefit Trust Fund

990 • Fiscal year 2019 • EIN 14-6131191

Feb 01, 2018 to Jan 31, 2019 • Filed on Nov 12, 2019

Organization ProfileN/A
52 Pierces Rd Attn MS Robin EitelNewburgh, NY 12550

(845) 562-7988

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

76th percentile

0.13x

Higher debt load relative to assets than 76% of similar nonprofits.

2019 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

85th percentile

0.23x

Higher debt load relative to revenue than 85% of similar nonprofits.

2019 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2019

Net Margin

23rd percentile

-7.6%

Higher net margin than 23% of similar nonprofits.

2019 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

71st percentile

$26,080

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2019 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2019

Asset Growth

30th percentile

-2.1%

Faster asset growth than 30% of similar nonprofits.

2019 filings • 501(c)9 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

58th percentile

6.0%

Faster revenue growth than 58% of similar nonprofits.

2019 filings • 501(c)9 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets76th percentile

Assets

Down

$3,654,995

Down $78,465 (-2.1%) from 2018

Net Assets

Down

$3,184,935

Down $155,662 (-4.7%) from 2018

Liabilities

Up

$470,060

Up $77,197 (+20%) from 2018

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin23rd percentile

Revenue

Up

$2,047,117

Up $116,745 (+6.0%) from 2018

Expenses

Up

$2,202,779

Up $235,904 (+12%) from 2018

Net Income

Down

-$155,662

Down $119,159 (-326%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0Assets 2011: $3,079,649Liabilities 2011: $289,594Net Assets 2011: $2,790,0552011Assets 2012: $4,116,510Liabilities 2012: $1,102,419Net Assets 2012: $3,014,0912012Assets 2013: $3,442,060Liabilities 2013: $300,823Net Assets 2013: $3,141,2372013Assets 2014: $3,598,813Liabilities 2014: $325,845Net Assets 2014: $3,272,9682014Assets 2015: $4,356,699Liabilities 2015: $1,036,215Net Assets 2015: $3,320,4842015Assets 2016: $3,737,220Liabilities 2016: $370,253Net Assets 2016: $3,366,9672016Assets 2017: $4,400,947Liabilities 2017: $1,023,847Net Assets 2017: $3,377,1002017Assets 2018: $3,733,460Liabilities 2018: $392,863Net Assets 2018: $3,340,5972018Assets 2019: $3,654,995Liabilities 2019: $470,060Net Assets 2019: $3,184,9352019Assets 2020: $4,309,048Liabilities 2020: $1,183,579Net Assets 2020: $3,125,4692020Assets 2021: $3,821,636Liabilities 2021: $433,099Net Assets 2021: $3,388,5372021Assets 2022: $3,735,518Liabilities 2022: $442,689Net Assets 2022: $3,292,8292022Assets 2023: $3,711,322Liabilities 2023: $470,178Net Assets 2023: $3,241,1442023Assets 2025: $4,173,661Liabilities 2025: $419,492Net Assets 2025: $3,754,1692025

Highlighted filing

2019

Assets$3,654,995
Liabilities$470,060
Net Assets$3,184,935
Open 2019 Filing

Operations Trend

Revenue Growth58th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2011: $1,570,0312011Expenses 2012: $1,715,3822012Expenses 2013: $1,772,5122013Revenue 2014: $1,837,172Expenses 2014: $1,705,441Net Income 2014: $131,7312014Revenue 2015: $1,836,747Expenses 2015: $1,789,231Net Income 2015: $47,5162015Revenue 2016: $1,874,003Expenses 2016: $1,827,520Net Income 2016: $46,4832016Revenue 2017: $1,921,418Expenses 2017: $1,911,285Net Income 2017: $10,1332017Revenue 2018: $1,930,372Expenses 2018: $1,966,875Net Income 2018: -$36,5032018Revenue 2019: $2,047,117Expenses 2019: $2,202,779Net Income 2019: -$155,6622019Revenue 2020: $2,062,442Expenses 2020: $2,121,908Net Income 2020: -$59,4662020Revenue 2021: $2,055,798Expenses 2021: $1,792,730Net Income 2021: $263,0682021Revenue 2022: $2,047,482Expenses 2022: $2,143,190Net Income 2022: -$95,7082022Revenue 2023: $2,072,363Expenses 2023: $2,124,048Net Income 2023: -$51,6852023Revenue 2025: $2,366,698Expenses 2025: $2,119,471Net Income 2025: $247,2272025

Highlighted filing

2019

Revenue$2,047,117
Expenses$2,202,779
Net Income-$155,662
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Feb 1, 2018 to Jan 31, 2019
Signed
Nov 12, 2019
Return Version
2018v3.1
Gross Receipts
$2,047,117
Mission and Program Overview

Mission

A self-insuring fund to provide dental care, vision and prescription co-pay reimbursement benefits to teachers, administrators and retirees of the city of newburgh school district and their qualified dependents.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$3,716,609$3,638,356▼ $78,253
Prepaid Expenses and Deferred Charges$2,084$1,936▼ $148
Land, Buildings, and Equipment, Net$3,056$1,766▼ $1,290
Total Assets$3,733,460$3,654,995▼ $78,465
Other Assets Total$11,711$12,937▲ $1,226
Liabilities
Deferred Revenue$222,552$236,625▲ $14,073
Accounts Payable and Accrued Expenses$170,311$233,435▲ $63,124
Total Liabilities$392,863$470,060▲ $77,197
Net Assets / Fund Balance
Unrestricted Net Assets$3,340,597$3,184,935▼ $155,662
Total Net Assets Fund Balance$3,340,597$3,184,935▼ $155,662
Total Liabilities and Net Assets / Fund Balance$3,733,460$3,654,995▼ $78,465

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$339$58,598$58,937
Other Land Buildings-$5,542$5,542
Leasehold Improvements$1,427$1,629$3,056
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Russell J CoughlinFund AdminisPT$26,080-$26,080
Stacy a MoranChairperson--$16,046$16,046
Matthew ScullyTrustee--$10,151$10,151
Jennifer M LaudieroSecretary--$8,739$8,739
Nickolas P KarnavesosTrustee--$5,500$5,500
Jillian M CaciTrustee--$3,700$3,700
Judy LeroyTrustee--$2,000$2,000
Claudine M MalcolmTrustee--$500$500
Susan J WarrenTrustee--$250$250

Board Members and Trustees

NameTitle
Jennifer J CostabileTrustee
Jennifer M CatalanoTrustee
Thea I BonneTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,968,848
Investment Income
$78,231
Other Revenue
$38
Change in Net Assets
$-155,662

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,047,117
Total Revenue per Audited Statements
$2,047,117
Total Revenue per Form 990
$2,047,117
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$163,420
Other Expenses$59,801
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$1,979,558
Other Salaries and Wages---$111,330
Current Officers, Directors, Trustees, and Key Employees---$26,080
Office Expenses---$16,880
Pension Plan Contributions---$15,279
Fees for Services Other---$13,870
Occupancy---$12,000
Payroll Taxes---$10,731
Fees for Services Accounting---$10,395
Information Technology---$3,346
Insurance---$2,020
Depreciation Depletion---$1,290
Total Functional Expenses$0$0$0$2,202,779

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,202,779
Total Expenses per Audited Statements$2,202,779
Total Expenses per Form 990$2,202,779
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Members of the newburgh teachers association include teachers, teaching assistants, substitute teachers and retirees of the newburgh enlarged city school district.”

Form 990, Page 6, Part VI, Line 7A

“Members of the newburgh teachers association, a related organization, may elect one or more members of the governing body, which is also the governing body of the newburgh teachers association benefit trust fund.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 15A

“The compensation of the fund administrator of the newburgh teachers association benefit trust fund is determined through contract negotiations between the fund administrator and the chairperson of the newburgh teachers association benefit trust fund. An agreed-upon contract between these two individuals is then presented for review, approval and ratification by the board of trustees.”

Form 990, Page 6, Part VI, Line 19

“The organization makes its governing documents and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Newburgh Teachers Association
EIN
14-6131191
Phone
8455627988
Address
52 PIERCES RD ATTN MS ROBIN EITEL, NEWBURGH, NY 12550

Signing Officer

Name
Russell J Coughlin
Title
Fund Administrator
Phone
8455627988
Signed
2019-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Russell J Coughlin
Formed
1986
Legal Domicile
Ny
Voting Board Members
11
Independent Board Members
3
Employees
4

Preparer

Firm
Rbt Cpas Llp
Address
11 RACQUET RD, NEWBURGH, NY 12550
Preparer
Steven E Howell CPA
Phone
8455679000
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

“The fund files an annual 990 as a tax-exempt organization under section 501(c)(9) of the internal revenue code. As such, no federal or new york state taxes are paid by the fund. The fund has adopted the provisions of accounting principles generally accepted in the united states of america regarding accounting for uncertain tax positions. Management evaluated the fund's tax positions and concluded that the fund had taken no uncertain tax positions that would require adjustment to the financial statements in order to comply with the provisions of this guidance. With few exceptions, the fund is no longer subject to income tax examinations by the u.s. Federal, state or local tax authorities for years prior to 2016.”

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE FUND FILES AN ANNUAL 990 AS A TAX-EXEMPT ORGANIZATION UNDER SECTION 501(C)(9) OF THE INTERNAL REVENUE CODE. AS SUCH, NO FEDERAL OR NEW YORK STATE TAXES ARE PAID BY THE FUND. THE FUND HAS ADOPTED THE PROVISIONS OF ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REGARDING ACCOUNTING FOR UNCERTAIN TAX POSITIONS. MANAGEMENT EVALUATED THE FUND'S TAX POSITIONS AND CONCLUDED THAT THE FUND HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT WOULD REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS IN ORDER TO COMPLY WITH THE PROVISIONS OF THIS GUIDANCE. WITH FEW EXCEPTIONS, THE FUND IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS BY THE U.S. FEDERAL, STATE OR LOCAL TAX AUTHORITIES FOR YEARS PRIOR TO 2016.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE NEWBURGH TEACHERS ASSOCIATION INCLUDE TEACHERS, TEACHING ASSISTANTS, SUBSTITUTE TEACHERS AND RETIREES OF THE NEWBURGH ENLARGED CITY SCHOOL DISTRICT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE NEWBURGH TEACHERS ASSOCIATION, A RELATED ORGANIZATION, MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY, WHICH IS ALSO THE GOVERNING BODY OF THE NEWBURGH TEACHERS ASSOCIATION BENEFIT TRUST FUND.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE COMPENSATION OF THE FUND ADMINISTRATOR OF THE NEWBURGH TEACHERS ASSOCIATION BENEFIT TRUST FUND IS DETERMINED THROUGH CONTRACT NEGOTIATIONS BETWEEN THE FUND ADMINISTRATOR AND THE CHAIRPERSON OF THE NEWBURGH TEACHERS ASSOCIATION BENEFIT TRUST FUND. AN AGREED-UPON CONTRACT BETWEEN THESE TWO INDIVIDUALS IS THEN PRESENTED FOR REVIEW, APPROVAL AND RATIFICATION BY THE BOARD OF TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,654,995
Liabilities
$470,060
Net assets
$3,184,935
Revenue
$2,047,117
Expenses
$2,202,779
Net income
-$155,662
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.17$0.42$3.75$2.37$2.12$0.25
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.71$0.47$3.24$2.07$2.12$0.05
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.74$0.44$3.29$2.05$2.14$0.10
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.82$0.43$3.39$2.06$1.79$0.26
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.31$1.18$3.13$2.06$2.12$0.06
2019Detailed filing. Detailed filing data is available for this year.$3.65$0.47$3.18$2.05$2.20$0.16
2018Summary only. Only limited summary data is available for this year.$3.73$0.39$3.34$1.93$1.97$0.04
2017Summary only. Only limited summary data is available for this year.$4.40$1.02$3.38$1.92$1.91$0.01
2016Detailed filing. Detailed filing data is available for this year.$3.74$0.37$3.37$1.87$1.83$0.05
2015Detailed filing. Detailed filing data is available for this year.$4.36$1.04$3.32$1.84$1.79$0.05
2014Detailed filing. Detailed filing data is available for this year.$3.60$0.33$3.27$1.84$1.71$0.13
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.44$0.30$3.14$1.77
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.12$1.10$3.01$1.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.08$0.29$2.79$1.57
Peer Organizations

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