Black Hills Util Holding Inc Funded Ret HC&Life Ins Pln Bargain Trust (EIN 262732934) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2008

Legal Domicile

Principal Officer

Tom Stevens

Phone

6057211504

Tax Period

2023-01-01 to 2023-12-31

Black Hills Util Holding Inc Funded Ret HC&Life Ins Pln Bargain Trust, founded in 2008, is a small nonprofit in the Mutual Benefit sector that reported $129K in total revenue in fiscal year 2018. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $226K exceeded revenue, resulting in a 75% operating deficit.

Mission

To provide retiree healthcare and life insurance benefits to bargaining unit former employees.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $163,975

Investment Income $70,572

Other Revenue $0

TOTAL REVENUE $234,547

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $148,497

TOTAL EXPENSES $201,286

Year-over-Year Comparison

	2023	2022	Change
Revenue	$234,547	$198,983	+0.2%
Expenses	$201,286	$414,779	-0.5%
Net Income	$33,261	$-215,796	-1.2%

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

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
N/A	Trustee	10.00		$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	No data	No data	No data	No data
2023	$234,547	$201,286	$1,531,706	$33,261
2022	$198,983	$414,779	$1,465,367	$-215,796
2021	$181,952	$289,747	$1,699,864	$-107,795
2020	$170,220	$305,984	$1,797,821	$-135,764
2019	$240,538	$140,923	$1,920,564	$99,615
2018	$128,691	$225,639	$1,828,547	$-96,948

Black Hills Util Holding Inc Funded Ret HC&Life Ins Pln Bargain Trust