OBI RETIREE MEDICAL VOLUNTARY EMPLOYEE BENEFITS ASSOCIATION (EIN 203970900) - 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

LAURIE KIRICOPLES

Phone

9784576021

Tax Period

2023-01-01 to 2023-12-31

OBI RETIREE MEDICAL VOLUNTARY EMPLOYEE BENEFITS ASSOCIATION, founded in 2006, is a small nonprofit in the Mutual Benefit sector that reported $203K in total revenue in fiscal year 2023. Revenue surged 37% from the prior year, signaling strong growth momentum. Net assets of $2.9M represent 169 months of operating reserves.

Mission

THE ORGANIZATION WAS ESTABLISHED FOR THE PURPOSE OF SPONSORING AND ADMINISTERING THE OBI RETIREE BENEFIT PLAN AND SUCH OTHER PLAN OR PLANS WHICH MAY BE ADOPTED AND SPONSORED PURSUANT TO THE TERMS OF THIS CHARTER.

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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 $0

Investment Income $88,342

Other Revenue $115,126

TOTAL REVENUE $203,468

Expense Breakdown

Grants Paid $0

Salaries & Benefits $102,549

Fundraising Expenses $0

Other Expenses $7,862

TOTAL EXPENSES $202,503

Year-over-Year Comparison

	2023	2022	Change
Revenue	$203,468	$148,404	+0.4%
Expenses	$202,503	$223,707	-0.1%
Net Income	$965	$-75,303	-1.0%

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

$94,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT GOWDY	TRUSTEE	2.00	Director	$30,000	$0	$30,000
LAURIE KIRICOPLES	TRUSTEE	5.00	Director	$32,000	$0	$32,000
THOMAS FORD	TRUSTEE	4.00	Director	$32,000	$0	$32,000
N/A	CUSTODIAL TRUSTEE	5.00		$8,549	$0	$8,549

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	$203,468	$202,503	$2,859,569	$965
2022	$148,404	$223,707	$2,816,417	$-75,303
2021	$165,540	$275,315	$2,901,104	$-109,775
2020	$211,594	$322,654	$3,010,879	$-111,060
2019	$302,010	$323,964	$3,121,939	$-21,954
2018	$327,255	$374,800	$3,143,893	$-47,545

OBI RETIREE MEDICAL VOLUNTARY EMPLOYEE BENEFITS ASSOCIATION