CONSOLIDATED BUILDERS BENEFITS TRUST (EIN 232919556) - 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

1997

Legal Domicile

Principal Officer

JAMES RUMBAUGH

Phone

7243492327

Tax Period

2024-07-01 to 2025-06-30

CONSOLIDATED BUILDERS BENEFITS TRUST, founded in 1997, is a community nonprofit in the Mutual Benefit sector that reported $1.3M in total revenue in fiscal year 2024.

Mission

TO PROVIDE HEALTH AND DEATH BENEFITS TO FULL-TIME EMPLOYEES OF EMPLOYERS WHO ARE MEMBERS OF CERTAIN BUILDERS ASSOCIATIONS.

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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 $1,303,348

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,303,348

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,290,337

TOTAL EXPENSES $1,290,337

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,303,348	$1,250,970	+0.0%
Expenses	$1,290,337	$1,259,375	+0.0%
Net Income	$13,011	$-8,405	-2.5%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES C RUMBAUGH	CHAIRMAN	0.10	Officer Director	$0	$0	$0
DION MCMULLEN	VICE CHAIRMAN	0.10	Officer Director	$0	$0	$0
DICK CLAWSON	TREASURER	0.80	Officer Director	$0	$0	$0
DOUG PHILIPS	TRUSTEE	0.10	Director	$0	$0	$0
WARREN PETER	TRUSTEE	0.10	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	$1,303,348	$1,290,337	$206,928	$13,011
2024	$1,250,970	$1,259,375	$192,729	$-8,405
2023	$1,411,245	$1,419,407	$183,981	$-8,162
2022	$1,550,212	$1,566,988	$196,866	$-16,776
2021	$1,788,518	$1,802,704	$244,507	$-14,186
2020	$2,095,806	$2,105,194	$275,031	$-9,388
2019	$2,164,179	$2,166,163	$319,662	$-1,984
2018	$1,795,910	$1,807,354	$294,155	$-11,444

CONSOLIDATED BUILDERS BENEFITS TRUST