TIAA RETIREMENT HEALTHCARE SAVINGS PLAN TRUST (EIN 272074913) - 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

2009

Legal Domicile

Principal Officer

ROBERT WEINMAN

Phone

8775353910

Tax Period

2023-01-01 to 2023-12-31

TIAA RETIREMENT HEALTHCARE SAVINGS PLAN TRUST, founded in 2009, is a mid-sized nonprofit in the Mutual Benefit sector that reported $18.2M in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $15.7M, a strong 86% operating margin.

Mission

THE TIAA RETIREMENT HEALTHCARE SAVINGS PLAN TRUST'S PRIMARY EXEMPT PURPOSE IS TO FUND MEDICAL AND/OR HOSPITAL COSTS FOR FORMER EMPLOYEES OF TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA (TIAA).

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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 $14,753,974

Investment Income $3,462,612

Other Revenue $0

TOTAL REVENUE $18,216,586

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $2,468,134

Year-over-Year Comparison

	2023	2022	Change
Revenue	$18,216,586	$20,334,646	-0.1%
Expenses	$2,468,134	$2,143,491	+0.2%
Net Income	$15,748,452	$18,191,155	-0.1%

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
TIAA TRUST N A	TRUSTEE	1.0		$1,500	$0	$1,500

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	$18,216,586	$2,468,134	$155,553,233	$15,748,452
2022	$20,334,646	$2,143,491	$121,124,702	$18,191,155
2021	$24,047,589	$2,471,131	$130,958,599	$21,576,458
2020	$20,005,088	$1,395,754	$107,226,982	$18,609,334
2019	$18,487,359	$1,051,814	$82,366,152	$17,435,545
2018	$15,537,752	$748,143	$57,310,524	$14,789,609

TIAA RETIREMENT HEALTHCARE SAVINGS PLAN TRUST