CCA of Tennessee LLC Employee Benefit Trust (EIN 204970215) - 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

2005

Legal Domicile

Principal Officer

GEORGE BRADEN - COMERICA BANK

Phone

5126527574

Tax Period

2024-04-01 to 2025-03-31

CCA of Tennessee LLC Employee Benefit Trust, founded in 2005, is a mid-sized nonprofit in the Mutual Benefit sector that reported $48.6M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $46.3M left a modest 5% surplus.

Mission

VOLUNTARY EMPLOYEES BENEFICIARY TRUST THAT PROVIDES PAYMENT OF LIFE AND MEDICAL BENEFITS TO CURRENT AND ELIGIBLE FORMER CCA OF TENNESSEE EMPLOYEES AND THEIR DEPENDENTS.

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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 $47,991,253

Investment Income $579,103

Other Revenue $0

TOTAL REVENUE $48,570,356

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $46,255,151

Other Expenses $6,000

TOTAL EXPENSES $46,255,151

Year-over-Year Comparison

	2024	2023	Change
Revenue	$48,570,356	$43,471,556	+0.1%
Expenses	$46,255,151	$40,574,426	+0.1%
Net Income	$2,315,205	$2,897,130	-0.2%

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

4455

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
COMERICA BANK	VP & Trust Officer	10.0		$6,000	$0	$6,000

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	$48,570,356	$46,255,151	$18,873,548	$2,315,205
2024	$43,471,556	$40,574,426	$15,664,856	$2,897,130
2023	$44,259,651	$47,509,658	$11,368,760	$-3,250,007
2022	$48,306,747	$48,090,908	$15,731,007	$215,839
2021	$51,197,351	$55,579,896	$16,478,684	$-4,382,545
2020	$54,330,889	$54,590,473	$20,578,430	$-259,584
2019	$50,263,917	$47,889,177	$21,237,879	$2,374,740
2018	$44,911,740	$43,579,767	$17,722,789	$1,331,973

CCA of Tennessee LLC Employee Benefit Trust