Yale University Retiree Health Benefits Coverage Trust (EIN 066414276) - 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

1994

Legal Domicile

Phone

2034325530

Tax Period

2024-07-01 to 2025-06-30

Yale University Retiree Health Benefits Coverage Trust, founded in 1994, is a major nonprofit in the Mutual Benefit sector that reported $114.9M in total revenue in fiscal year 2024. Revenue fell 37% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $55.7M, a strong 48% operating margin.

Mission

To promote and support the objectives, philosophies and best interests of Yale University. YALE UNIVERSITY IS A TAX EXEMPT ENTITY UNDER IRC SECTION 501(C)(3).

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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 $106,213,410

Investment Income $4,261,764

Other Revenue $4,445,741

TOTAL REVENUE $114,920,915

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $44,723,964

Other Expenses $59,246,656

TOTAL EXPENSES $59,246,656

Year-over-Year Comparison

	2024	2023	Change
Revenue	$114,920,915	$182,814,480	-0.4%
Expenses	$59,246,656	$55,294,688	+0.1%
Net Income	$55,674,259	$127,519,792	-0.6%

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

N/A

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
Yale University	Trustee	5.0		$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	$114,920,915	$59,246,656	$1,242,331,272	$55,674,259
2024	$182,814,480	$55,294,688	$1,070,247,917	$127,519,792
2023	$152,225,671	$47,895,212	$883,593,614	$104,330,459
2022	$110,596,145	$42,096,236	$755,296,263	$68,499,909
2021	$96,943,913	$38,023,841	$804,358,920	$58,920,072
2020	$89,617,232	$39,632,708	$587,123,675	$49,984,524
2019	$63,749,001	$39,092,559	$512,094,081	$24,656,442
2018	$31,224,482	$38,498,649	$499,393,784	$-7,274,167

Yale University Retiree Health Benefits Coverage Trust