COPOLYMER RETIREES TRUST (EIN 204982669) - 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

Lloyd J Tabary II

Phone

2254900021

Tax Period

2024-09-01 to 2025-08-31

COPOLYMER RETIREES TRUST, founded in 2006, is a small nonprofit in the Mutual Benefit sector that reported $932K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. Expenses of $1.4M exceeded revenue, resulting in a 47% operating deficit.

Mission

The Trust was set-up and initially funded by DSM Copolymer Inc. to assume the liabilities from it for medical and life insurance for its retirees beneficiaries and dependents and now includes a voluntary participant funded dental benefit. The VEBA services 330 participants as of August 31 2022.

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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 $652,275

Investment Income $279,408

Other Revenue $0

TOTAL REVENUE $931,683

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $434,693

TOTAL EXPENSES $1,365,564

Year-over-Year Comparison

	2024	2023	Change
Revenue	$931,683	$1,098,887	-0.2%
Expenses	$1,365,564	$1,374,271	0.0%
Net Income	$-433,881	$-275,384	+0.6%

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

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
George A von Bodungen	Chairman of the Board	Director	$0	$0	$0
Ralph A Joffrion	Board Member	Director	$0	$0	$0
Albert H Bacas	Board Member	Director	$0	$0	$0
Shirley Cowart Didier	Board Member	Director	$0	$0	$0
Edward Richardson	Board Member	Director	$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	$931,683	$1,365,564	$4,552,077	$-433,881
2024	$1,098,887	$1,374,271	$4,985,959	$-275,384
2023	$911,538	$1,470,961	$5,261,343	$-559,423
2022	$151,289	$1,591,558	$5,820,766	$-1,440,269
2021	$1,321,389	$1,657,302	$7,261,034	$-335,913
2020	$1,409,486	$1,868,259	$7,602,476	$-458,773

COPOLYMER RETIREES TRUST