BLET DISABILITY AND WELFARE BENEFIT TRUST FUND (EIN 300262584) - 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

2004

Legal Domicile

Principal Officer

EDWARD A HALL

Phone

2162412630

Tax Period

2024-01-01 to 2024-12-31

BLET DISABILITY AND WELFARE BENEFIT TRUST FUND, founded in 2004, is a community nonprofit in the Mutual Benefit sector that reported $7.3M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $6.3M left a modest 14% surplus.

Mission

THE PURPOSE OF THE TRUST IS TO PROVIDE WELFARE BENEFITS TO RAILROAD EMPLOYEES.

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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 $5,996,725

Investment Income $1,309,228

Other Revenue $1,593

TOTAL REVENUE $7,307,546

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $462,869

TOTAL EXPENSES $6,263,398

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,307,546	$6,366,076	+0.1%
Expenses	$6,263,398	$6,056,338	+0.0%
Net Income	$1,044,148	$309,738	+2.4%

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

$703,949

Total Directors

$1,029,791

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDWARD A HALL	CHAIRMAN	2.00	Officer Director	$0	$64,202	$379,377
DAVID P ESTES	SECRETARY	2.00	Officer Director	$0	$58,202	$324,572
MARK L WALLACE	TRUSTEE	2.00	Director	$0	$56,192	$325,842

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	$7,307,546	$6,263,398	$20,373,171	$1,044,148
2023	$6,366,076	$6,056,338	$18,262,614	$309,738
2022	$6,112,634	$5,894,021	$15,944,542	$218,613
2021	$6,979,588	$5,639,651	$17,891,717	$1,339,937
2020	$5,923,147	$5,508,189	$16,125,904	$414,958
2019	$6,989,956	$6,397,069	$14,975,849	$592,887
2018	$7,112,993	$6,303,532	$13,272,957	$809,461

BLET DISABILITY AND WELFARE BENEFIT TRUST FUND