Overland West Inc Welfare Benefit Trust (EIN 206002062) - 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

Trevor Steenblik

Phone

8016215663

Tax Period

2024-06-01 to 2025-05-31

Overland West Inc Welfare Benefit Trust, founded in 2003, is a community nonprofit in the Mutual Benefit sector that reported $4.2M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion.

Mission

To provide Overland West Inc employees and dependents with medical, dental, vision, mental health, basic life insurance, accidental death and dismemberment, prescription drug, and substance abuse benefits.

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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 $4,167,873

Investment Income $0

Other Revenue $0

TOTAL REVENUE $4,167,873

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,005,934

TOTAL EXPENSES $4,092,869

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,167,873	$3,758,407	+0.1%
Expenses	$4,092,869	$4,002,645	+0.0%
Net Income	$75,004	$-244,238	-1.3%

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

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
Jerry H Petersen	Trustee	0.50	Director	$0	$0	$0
Morgan Keyes	Trustee	0.50	Director	$0	$0	$0
Tami Hull	Trustee	0.50	Director	$0	$0	$0
Trevor Steenblik	Trustee	0.50	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	$4,167,873	$4,092,869	$648,924	$75,004
2024	$3,758,407	$4,002,645	$592,602	$-244,238
2023	$3,777,563	$3,564,926	$786,330	$212,637
2022	$3,170,696	$3,368,715	$612,731	$-198,019
2021	$2,971,963	$3,105,212	$771,712	$-133,249
2020	$2,880,829	$3,457,867	$904,961	$-577,038
2019	$2,904,892	$3,320,575	$1,481,999	$-415,683
2018	$2,551,575	$2,651,044	$1,897,682	$-99,469

Overland West Inc Welfare Benefit Trust