CITY OF MURRAY EMPLOYEE BENEFIT TR… - Form 990 Financial Data

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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

Legal Domicile

Principal Officer

TAMMY ROBERTS

Phone

2707620300

Tax Period

2024-06-01 to 2025-05-31

CITY OF MURRAY EMPLOYEE BENEFIT TRUST is a community nonprofit that reported $2.8M in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $2.5M left a modest 10% surplus.

Mission

MAINTAIN SELF-INSURED INSURANCE FUND FOR CITY EMPLOYEES

Program Service Accomplishments

Program 1

Expenses: $2,513,918

MEDICAL CLAIMS PAID ON BEHALF OF THE EMPLOYEES OF THE CITY OF MURRAY, KYTHE PURPOSE IS ACHIEVE LOWER TOTAL HEALTHCARE COSTS FOR THE APPROX. 135 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 $2,745,665

Investment Income $43,408

Other Revenue $0

TOTAL REVENUE $2,789,073

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,470

Fundraising Expenses $0

Program Expenses $2,513,918

Other Expenses $741

TOTAL EXPENSES $2,513,918

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,789,073	$2,212,860	+0.3%
Expenses	$2,513,918	$2,271,201	+0.1%
Net Income	$275,155	$-58,341	-5.7%

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
REGIONS TRUST	Trustee, as req	1.00		$5,470	$0	$5,470
BOB ROGERS	MAYOR	0.00	Officer	$0	$0	$0
TAMMY ROBERTS	FINANCE DIR.	0.00	Officer	$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	$2,789,073	$2,513,918	$1,262,146	$275,155
2024	$2,212,860	$2,271,201	$986,991	$-58,341
2023	$2,703,173	$2,445,576	$1,045,332	$257,597
2022	$2,270,675	$2,216,803	$787,735	$53,872
2021	$1,720,103	$1,417,062	$733,863	$303,041
2020	$1,686,651	$1,984,625	$430,822	$-297,974
2019	$1,477,082	$1,823,655	$728,796	$-346,573
2018	$1,433,496	$1,378,516	$1,075,369	$54,980

CITY OF MURRAY EMPLOYEE BENEFIT TRUST