EMPLOYER CONTRIBUTION VEBA TRUST SAINT (EIN 043838444) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2005

Legal Domicile

Principal Officer

Dana Strait

Phone

8775353910

Tax Period

2023-01-01 to 2023-12-31

EMPLOYER CONTRIBUTION VEBA TRUST SAINT, founded in 2005, is a micro nonprofit in the Mutual Benefit sector that reported $56K in total revenue in fiscal year 2023. Revenue fell 73% from the prior year — a significant decline worth monitoring. Expenses of $330K exceeded revenue, resulting in a 487% operating deficit.

Mission

TO PROVIDE RETIREE HEALTH BENEFITS TO THE EMPLOYER'S FORMER EMPLOYEES AND THEIR SPOUSES AND DEPENDENTS, ALTHOUGH OTHER BENEFITS MAY BE PROVIDED AS DESCRIBED IN THE PLAN DOCUMENT.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $-7,629

Investment Income $63,790

Other Revenue $0

TOTAL REVENUE $56,161

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $16,516

TOTAL EXPENSES $329,790

Year-over-Year Comparison

	2023	2022	Change
Revenue	$56,161	$209,259	-0.7%
Expenses	$329,790	$254,611	+0.3%
Net Income	$-273,629	$-45,352	+5.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

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
TIAA TRUST N A	TRUSTEE	1.0		$1,500	$0	$1,500

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
2024	No data	No data	No data	No data
2023	$56,161	$329,790	$5,256,218	$-273,629
2022	$209,259	$254,611	$5,027,714	$-45,352
2021	$1,461,315	$280,623	$6,051,276	$1,180,692
2020	$590,607	$247,459	$5,627,063	$343,148
2019	$491,916	$240,625	$4,942,700	$251,291
2018	$609,828	$231,807	$4,138,859	$378,021

EMPLOYER CONTRIBUTION VEBA TRUST SAINT