RSFFPD VEBA HEALTH SAVINGS TRUST (EIN 204854354) - 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

2000

Legal Domicile

Principal Officer

Sandra Reyes

Phone

8587565971

Tax Period

2024-07-01 to 2025-06-30

RSFFPD VEBA HEALTH SAVINGS TRUST, founded in 2000, is a small nonprofit in the Mutual Benefit sector that reported $901K in total revenue in fiscal year 2024. Revenue surged 71% from the prior year, signaling strong growth momentum. The organization ran a surplus of $615K, a strong 68% operating margin.

Mission

To fund reimbursement of medical expenses under a health reimbursement arrangement.

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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 $374,912

Investment Income $526,431

Other Revenue $0

TOTAL REVENUE $901,343

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $258,355

Other Expenses $27,815

TOTAL EXPENSES $286,170

Year-over-Year Comparison

	2024	2023	Change
Revenue	$901,343	$528,286	+0.7%
Expenses	$286,170	$181,553	+0.6%
Net Income	$615,173	$346,733	+0.8%

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

$1,293,846

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brian Slattery	trustee	1.0	Director	$0	$0	$226,569
Nathan Sanford	Trustee	1.0	Director	$0	$0	$161,384
Nicholas Brandow	Trustee	1.0	Director	$0	$0	$161,384
John Carey	Trustee	1.0	Director	$0	$0	$139,893
Sam Stamy	Trustee	1.0	Director	$0	$0	$139,893
Scott Young	Trustee	1.0	Director	$0	$0	$139,893
Corbin Martinez	Trustee	1.0	Director	$0	$0	$117,731
Daniel Schaffer	Trustee	1.0	Director	$0	$0	$106,740
Sandra Reyes	Trustee	1.0	Director	$0	$0	$100,359
Karlena Rannals	Trustee	1.0	Director	$0	$0	$0
David Livingstone	Trustee	1.0	Director	$0	$0	$0
Hand Benefit Trust Co	Trustee	1.0		$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	$901,343	$286,170	$8,215,005	$615,173
2024	$528,286	$181,553	$7,259,136	$346,733
2023	$524,132	$219,217	$6,123,668	$304,915
2023	$524,132	$218,849	$6,123,668	$305,283
2022	$-221,913	$174,398	$5,211,449	$-396,311
2022	$-221,913	$174,766	$5,211,081	$-396,679
2021	$1,595,568	$219,797	$5,607,760	$1,375,771

RSFFPD VEBA HEALTH SAVINGS TRUST