Aramco US Retiree Welfare Benefit Trust (EIN 133833680) - 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

Principal Officer

Ronald M Charles

Phone

7144324000

Tax Period

2024-01-01 to 2024-12-31

Aramco US Retiree Welfare Benefit Trust, founded in 1994, is a mid-sized nonprofit that reported $24.7M in total revenue in fiscal year 2024.

Mission

This Trust is intended to qualify as a VEBA under Section 501c9 to provide nedical benefits to members

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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 $24,650,033

Program Service Revenue $0

Investment Income $7,542

Other Revenue $0

TOTAL REVENUE $24,657,575

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $24,590,438

Other Expenses $910,315

TOTAL EXPENSES $24,590,438

Year-over-Year Comparison

	2024	2023	Change
Revenue	$24,657,575	$24,365,054	+0.0%
Expenses	$24,590,438	$24,356,600	+0.0%
Net Income	$67,137	$8,454	+6.9%

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
RICHARD J URBAN JR	Managing Director	1.00	Officer	$0	$0	$0
MELISSA R WINDT	Associate Director	1.00	Officer	$0	$0	$0
RONALD M CHARLES	Treasurer	1.00	Officer	$0	$0	$0
N/A	Trustee	0.00		$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	No data	No data	No data	No data
2024	$24,657,575	$24,590,438	$83,814	$67,137
2023	$24,365,054	$24,356,600	$16,677	$8,454
2022	$27,242,017	$27,262,940	$8,223	$-20,923
2021	$26,385,582	$26,374,231	$29,146	$11,351
2020	$22,040,462	$22,088,631	$17,795	$-48,169

Aramco US Retiree Welfare Benefit Trust