LOMBARD FF UNION IAFF LOCAL 3009 RETIREMENT MEDICAL BENEFIT ACCOUNT (EIN 200302588) - 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

Principal Officer

JUAN PLACENCIA

Tax Period

2024-01-01 to 2024-12-31

LOMBARD FF UNION IAFF LOCAL 3009 RETIREMENT MEDICAL BENEFIT ACCOUNT is a small nonprofit in the Mutual Benefit sector that reported $213K in total revenue in fiscal year 2018. The organization ran a surplus of $114K, a strong 54% operating margin.

Mission

PURPOSE IS TO PROVIDE RETIREES OF THE LOMBARD IL FIRE DEPARTMENT WITH HEALTH BENEFITS

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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 $79,292

Investment Income $109,281

Other Revenue $0

TOTAL REVENUE $188,573

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $32,813

Other Expenses $2,370

TOTAL EXPENSES $35,183

Year-over-Year Comparison

	2024	2023	Change
Revenue	$188,573	$355,385	-0.5%
Expenses	$35,183	$131,609	-0.7%
Net Income	$153,390	$223,776	-0.3%

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
JOHANNES MARKSCHAT	PRESIDENT	005.00	Officer	$0	$0	$0
JUAN PLACENCIA	TREASURER	005.00	Officer	$0	$0	$0
ADAM BONNAN	SECRETARY	005.00	Officer	$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
2024	$188,573	$35,183	$1,849,613	$153,390
2023	$355,385	$131,609	$1,872,042	$223,776
2022	$113,543	$130,360	$1,967,364	$-16,817
2021	$383,860	$120,960	$1,984,181	$262,900
2020	$311,420	$107,117	$1,679,793	$204,303
2019	$173,488	$107,182	$1,475,490	$66,306
2018	$212,988	$98,508	$1,223,672	$114,480

LOMBARD FF UNION IAFF LOCAL 3009 RETIREMENT MEDICAL BENEFIT ACCOUNT