Montana Rail Link Retiree Health Plan Co Collectively-Bargained Trust (EIN 200504698) - 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

Heather Mattson

Phone

4065231500

Tax Period

2023-01-01 to 2023-12-31

Montana Rail Link Retiree Health Plan Co Collectively-Bargained Trust, founded in 2003, is a community nonprofit in the Mutual Benefit sector that reported $4.9M in total revenue in fiscal year 2023. Revenue surged 66% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.7M, a strong 76% operating margin.

Mission

Funding for retiree medical benefits for certain union employees of Montana Rail Link, Inc.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,041,000

Investment Income $1,865,234

Other Revenue $0

TOTAL REVENUE $4,906,234

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $217,696

TOTAL EXPENSES $1,167,066

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,906,234	$2,961,265	+0.7%
Expenses	$1,167,066	$1,246,116	-0.1%
Net Income	$3,739,168	$1,715,149	+1.2%

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

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
Mike Basile	Chairman, Trustee	1.00	Officer Director	$0	$0	$0
Heather Mattson	Secretary, Trustee	1.00	Officer Director	$0	$0	$0
John Mozinski	Trustee	1.00	Director	$0	$0	$0
Jess Nelson	Trustee, Plan Administrator	1.00	Officer Director	$0	$0	$0
Jody Verity	Plan Administrator	1.00	Officer	$0	$0	$0
Jeremy Huckabee	Plan Administrator	1.00	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	No data	No data	No data	No data
2023	$4,906,234	$1,167,066	$56,974,828	$3,739,168
2022	$2,961,265	$1,246,116	$48,524,937	$1,715,149
2021	$6,575,273	$1,920,731	$53,919,697	$4,654,542
2020	$4,283,722	$1,261,799	$48,982,039	$3,021,923
2019	$4,323,388	$1,339,122	$41,758,322	$2,984,266
2018	$5,693,336	$1,723,302	$34,826,898	$3,970,034

Montana Rail Link Retiree Health Plan Co Collectively-Bargained Trust