TEAMSTERS LIFE INSURANCE TRUST FUND (EIN 237316778) - 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

1973

Legal Domicile

Principal Officer

Richard Muto

Phone

9258337300

Tax Period

2023-02-01 to 2024-01-31

TEAMSTERS LIFE INSURANCE TRUST FUND, founded in 1973, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2023. Revenue surged 80% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.2M, a strong 46% operating margin.

Mission

PROVIDE LIFE INSURANCE AND AD&D 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $197,216

Investment Income $2,321,933

Other Revenue $0

TOTAL REVENUE $2,519,149

Expense Breakdown

Grants Paid $0

Salaries & Benefits $27,000

Fundraising Expenses $0

Other Expenses $744,447

TOTAL EXPENSES $1,361,598

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,519,149	$1,399,577	+0.8%
Expenses	$1,361,598	$757,696	+0.8%
Net Income	$1,157,551	$641,881	+0.8%

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

$27,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN HURLEY	TRUSTEE	2.0	Director	$7,000	$0	$7,000
darrell pratt	CHAIRMAN	2.0	Director	$6,800	$0	$6,800
RICHARD MUTO	CO-CHAIRMAN	2.0	Director	$6,600	$0	$6,600
JERRY HAMMACK	TRUSTEE	2.0	Director	$6,600	$0	$6,600
STACEY CUE	TRUSTEE	2.0	Director	$0	$0	$0
ASHLEY ALVARADO	TRUSTEE	2.0	Director	$0	$0	$0
SEE SCH O FOR COMPENSATION PAID BY	RELATED ORGANIZATIONS	0.0	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	No data	No data	No data	No data
2024	$2,519,149	$1,361,598	$35,642,496	$1,157,551
2023	$1,399,577	$757,696	$34,290,031	$641,881
2022	$3,688,518	$859,952	$36,847,895	$2,828,566
2021	$1,436,332	$661,584	$33,822,387	$774,748
2020	$1,672,598	$706,443	$30,102,223	$966,155
2019	$2,007,276	$669,844	$27,648,051	$1,337,432

TEAMSTERS LIFE INSURANCE TRUST FUND