JAMES CRAFT & SON EMPLOYEE BENEFIT TRUST (EIN 222489588) - 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

1982

Legal Domicile

Principal Officer

VICKI E KEARNS

Phone

7172666629

Tax Period

2024-01-01 to 2024-12-31

JAMES CRAFT & SON EMPLOYEE BENEFIT TRUST, founded in 1982, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $1.6M exceeded revenue, resulting in a 10% operating deficit.

Mission

PROVIDE EMPLOYEE HEALTH PLAN

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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 $1,318,184

Investment Income $2,170

Other Revenue $147,625

TOTAL REVENUE $1,467,979

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,620,517

Other Expenses $539,327

TOTAL EXPENSES $1,620,517

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,467,979	$1,251,705	+0.2%
Expenses	$1,620,517	$1,411,263	+0.1%
Net Income	$-152,538	$-159,558	0.0%

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

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
VICKI KEARNS	TRUSTEE	10.00	Director	$0	$0	$0
NICOLE BAZDAR	TRUSTEE	10.00	Director	$0	$0	$0
JESSICA CRAFT SCHLOSBERG	TRUSTEE	10.00	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
2024	$1,467,979	$1,620,517	$226,588	$-152,538
2023	$1,251,705	$1,411,263	$380,046	$-159,558
2022	$1,230,920	$1,190,378	$533,372	$40,542
2021	$1,116,860	$1,161,956	$488,383	$-45,096
2020	$1,321,252	$1,119,076	$534,099	$202,176
2019	$1,316,958	$1,195,315	$331,954	$121,643
2018	$1,148,510	$1,282,524	$333,352	$-134,014

JAMES CRAFT & SON EMPLOYEE BENEFIT TRUST