INSURANCE TRUST FOR DELTA RETIREES INC C/O ROBERT WERNER (EIN 208503691) - 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

2007

Legal Domicile

Principal Officer

TED TOWNE

Phone

4079204488

Tax Period

2025-01-01 to 2025-12-31

INSURANCE TRUST FOR DELTA RETIREES INC C/O ROBERT WERNER, founded in 2007, is a mid-sized nonprofit in the Mutual Benefit sector that reported $75.3M in total revenue in fiscal year 2025. Expenses of $71.9M left a modest 5% surplus.

Mission

TO PROVIDE RETIREMENT HEALTHCARE BENEFITS TO FORMER DELTA AIR LINES EMPLOYEES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $72,352,543

Investment Income $2,904,988

Other Revenue $0

TOTAL REVENUE $75,257,531

Expense Breakdown

Grants Paid $0

Salaries & Benefits $174,000

Fundraising Expenses $0

Other Expenses $2,803,580

TOTAL EXPENSES $71,851,723

Year-over-Year Comparison

	2025	2024	Change
Revenue	$75,257,531	$70,120,790	+0.1%
Expenses	$71,851,723	$67,736,047	+0.1%
Net Income	$3,405,808	$2,384,743	+0.4%

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

$102,000

Total Directors

$168,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BONNIE HIRSCHBERG	CHAIRMAN	7.50	Officer Director	$24,000	$0	$24,000
ROBERT WERNER	VICE CHAIRMAN	7.50	Officer Director	$24,000	$0	$24,000
TED TOWNE	TREASURER	7.50	Officer Director	$24,000	$0	$24,000
MICK MCCORMICK-JAMESON	SECRETARY	7.50	Officer Director	$24,000	$0	$24,000
BRIAN EARP	DIRECTOR	7.50	Director	$24,000	$0	$24,000
MYRON COXE	DIRECTOR	7.50	Director	$24,000	$0	$24,000
SHELLY SULLIVAN	DIRECTOR	7.50	Director	$24,000	$0	$24,000
DOUG HULTBERG	BOARD FELLOW	7.50	Officer	$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	$75,257,531	$71,851,723	$44,875,253	$3,405,808
2024	$70,120,790	$67,736,047	$39,140,091	$2,384,743
2023	$71,095,820	$69,653,907	$35,047,627	$1,441,913
2022	$70,657,172	$69,288,925	$30,445,201	$1,368,247
2021	$70,980,760	$67,269,559	$33,886,995	$3,711,201
2020	$69,072,906	$66,267,277	$28,309,112	$2,805,629
2019	$65,646,022	$62,458,262	$24,478,058	$3,187,760
2018	$66,376,801	$62,807,400	$18,818,349	$3,569,401

INSURANCE TRUST FOR DELTA RETIREES INC C/O ROBERT WERNER