Turlock Firefighters Local 2434 Retiree Health Trust (EIN 141845024) - 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

2003

Legal Domicile

Phone

2099885818

Tax Period

2024-07-01 to 2025-06-30

Turlock Firefighters Local 2434 Retiree Health Trust, founded in 2003, is a small nonprofit in the Mutual Benefit sector that reported $381K in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $266K, a strong 70% operating margin.

Mission

Voluntary Employee's Benefit Organization

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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 $268,466

Program Service Revenue $0

Investment Income $109,249

Other Revenue $2,939

TOTAL REVENUE $380,654

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $91,012

Other Expenses $23,552

TOTAL EXPENSES $114,564

Year-over-Year Comparison

	2024	2023	Change
Revenue	$380,654	$314,995	+0.2%
Expenses	$114,564	$130,067	-0.1%
Net Income	$266,090	$184,928	+0.4%

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
Andrew Quimby	Vice President	2.00	Officer Director	$0	$0	$0
Steven Kramer	Trustee	2.00	Officer Director	$0	$0	$0
Gary Lunsford	Trustee	2.00	Officer Director	$0	$0	$0
Larry Mouw	Trustee	2.00	Officer Director	$0	$0	$0
Tony Nacimento	Trustee	2.00	Officer Director	$0	$0	$0
Frank Saldivar	Trustee	2.00	Officer 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	$380,654	$114,564	$5,037,530	$266,090
2024	$314,995	$130,067	$4,407,284	$184,928
2023	$267,121	$79,856	$3,673,748	$187,265
2022	$257,486	$127,206	$3,167,760	$130,280
2021	$255,171	$117,662	$3,797,937	$137,509
2020	$354,633	$108,862	$2,825,842	$245,771
2019	$284,545	$101,536	$2,523,456	$183,009
2018	$298,797	$82,502	$2,219,701	$216,295

Turlock Firefighters Local 2434 Retiree Health Trust