MVRTA RET EE SELF INSURED OEBT (EIN 311209122) - 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

1986

Legal Domicile

Phone

2168134556

Tax Period

2023-01-01 to 2023-12-31

MVRTA RET EE SELF INSURED OEBT, founded in 1986, is a micro nonprofit that reported $94K in total revenue in fiscal year 2023. Revenue fell 45% from the prior year — a significant decline worth monitoring. Expenses of $84K left a modest 10% surplus.

Mission

DEATH BENEFITS ARE PAID TO THE FAMILIES OF THE RETIRED EMPLOYEES OF THE MIAMI VALLEY REGIONAL TRANSIT AUTHORITY.

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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 $47,131

Program Service Revenue $0

Investment Income $46,380

Other Revenue $0

TOTAL REVENUE $93,511

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $83,500

Other Expenses $1,000

TOTAL EXPENSES $84,500

Year-over-Year Comparison

	2023	2022	Change
Revenue	$93,511	$169,398	-0.4%
Expenses	$84,500	$72,550	+0.2%
Net Income	$9,011	$96,848	-0.9%

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	1.0		$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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$93,511	$84,500	$1,628,810	$9,011
2022	$169,398	$72,550	$1,621,371	$96,848
2021	$53,125	$80,505	$1,524,554	$-27,380
2020	$96,590	$57,500	$1,551,931	$39,090

MVRTA RET EE SELF INSURED OEBT