IBM Medical Benefits Trust (EIN 133017999) - 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

2006

Legal Domicile

Principal Officer

JPMORGAN CHASE BANK NA

Phone

2125522992

Tax Period

2025-01-01 to 2025-12-31

IBM Medical Benefits Trust, founded in 2006, is a large national nonprofit that reported $1.1B in total revenue in fiscal year 2025.

Mission

to provide medical and dental benefits to eligible participants covered under the ibm corporation medical & dental benefits plan trust.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,092,257,699

Investment Income $2,931,976

Other Revenue $0

TOTAL REVENUE $1,095,189,675

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,000

Fundraising Expenses $0

Program Expenses $0

Other Expenses $0

TOTAL EXPENSES $1,098,940,054

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,095,189,675	$1,074,044,515	+0.0%
Expenses	$1,098,940,054	$1,075,280,421	+0.0%
Net Income	$-3,750,379	$-1,235,906	+2.0%

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

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
JPMORGAN CHASE BANK NA	TRUSTEE	0.0		$5,000	$0	$5,000

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	$1,095,189,675	$1,098,940,054	$14,615,629	$-3,750,379
2024	No data	No data	No data	No data
2023	$1,032,954,186	$1,039,567,435	$19,419,231	$-6,613,249
2022	$1,080,123,730	$1,071,607,570	$26,032,479	$8,516,160
2021	$1,151,113,587	$1,159,041,966	$17,516,319	$-7,928,379
2020	$1,146,807,350	$1,130,125,072	$25,444,698	$16,682,278
2019	$1,182,769,304	$1,206,291,883	$8,762,420	$-23,522,579
2018	$1,253,837,061	$1,269,399,996	$32,284,997	$-15,562,935

IBM Medical Benefits Trust