CENTRAL MAINE POWER COMPANY POST- RETIREMENT MEDICAL PLAN TRUST FOR UNION (EIN 010517029) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1977

Legal Domicile

Principal Officer

JOHN O'NEIL

Phone

2034992000

Tax Period

2025-01-01 to 2025-12-31

CENTRAL MAINE POWER COMPANY POST- RETIREMENT MEDICAL PLAN TRUST FOR UNION is a tax-exempt nonprofit with EIN 010517029, based in ORANGE, CT. Founded in 1977, the organization files IRS Form 990 and reported its most recent data for fiscal year 2025. In that period, it reported $1,507,527 in total revenue and $4,551,428 in total expenses, with net assets of $696,736.

Mission

FUNDS SELF-INSURED MEDICAL PLAN FOR UNION MEMBERS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $1,507,527

Other Revenue $0

TOTAL REVENUE $1,507,527

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $29,528

TOTAL EXPENSES $4,551,428

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,507,527	$1,093,985	+0.4%
Expenses	$4,551,428	$3,688,882	+0.2%
Net Income	$-3,043,901	$-2,594,897	+0.2%

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
IGNACIO ESTELLA	FIDUCIARY COMMITTEE MEMBER	0.01	Director	$0	$0	$0
APRIL THEBERGE	FIDUCIARY COMMITTEE MEMBER	0.01	Director	$0	$0	$0
KRISH REED	FIDUCIARY COMMITTEE MEMBER	0.01	Director	$0	$0	$0
CHRISTINA GONZALE ALEMAN	FIDUCIARY COMMITTEE MEMBER	0.01	Director	$0	$0	$0
JOHN O'NEIL	FIDUCIARY COMMITTEE CHAIR	0.01	Officer Director	$0	$0	$0
PAUL VISCONTI	FIDUCIARY COMMITTEE MEMBER	0.01	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	$1,507,527	$4,551,428	$696,736	$-3,043,901
2024	No data	No data	No data	No data
2023	$713,380	$3,937,580	$6,335,534	$-3,224,200
2022	$282,114	$3,660,124	$9,559,734	$-3,378,010
2021	$1,860,359	$8,725,280	$12,937,744	$-6,864,921
2020	$2,710,191	$2,173,094	$19,802,665	$537,097

CENTRAL MAINE POWER COMPANY POST- RETIREMENT MEDICAL PLAN TRUST FOR UNION