PHB INC VEBA (EIN 251484306) - 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

1984

Legal Domicile

Principal Officer

JOHN J FIGURSKI II

Phone

8144745511

Tax Period

2018-01-01 to 2018-12-31

PHB INC VEBA, founded in 1984, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2018. Revenue decreased 13% compared to the prior year. Expenses of $3.3M left a modest 4% surplus.

Mission

THE ORGANIZATION IS A TRUST ESTABLISHED UNDER THE EMPLOYEE'S WELFARE BENEFIT PLAN OF PHB, INC. THE EXEMPT PURPOSE IS TO HOLD THE ASSETS OF THE 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,470,983

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,470,983

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,872,127

Other Expenses $445,794

TOTAL EXPENSES $3,317,921

Year-over-Year Comparison

	2018	2017	Change
Revenue	$3,470,983	$3,995,208	-0.1%
Expenses	$3,317,921	$3,940,791	-0.2%
Net Income	$153,062	$54,417	+1.8%

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

N/A

Independent Members

N/A

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
JOHN J FIGURSKI II	TRUSTEE	1.00	Officer Director	$0	$0	$0
JOHN L HILBERT SR	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM M HILBERT JR	DIRECTOR	1.00	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
2018	$3,470,983	$3,317,921	No data	$153,062

PHB INC VEBA