CENTRAL EMPLOYEE BENEFIT VEBA TR (EIN 311607892) - 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

1998

Legal Domicile

Principal Officer

AMY DOUGAL

Phone

4192381010

Tax Period

2025-01-01 to 2025-12-31

CENTRAL EMPLOYEE BENEFIT VEBA TR, founded in 1998, is a mid-sized nonprofit in the Mutual Benefit sector that reported $14.1M in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $13.4M left a modest 5% surplus.

Mission

VOLUNTARY EMPLOYEE BENEFITS - MEDICAL, LIFE, DENTAL AND VISION BENEFITS

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $12,855,252

Investment Income $1,251,246

Other Revenue $0

TOTAL REVENUE $14,106,498

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $12,764,773

Other Expenses $596,290

TOTAL EXPENSES $13,361,063

Year-over-Year Comparison

	2025	2024	Change
Revenue	$14,106,498	$11,440,462	+0.2%
Expenses	$13,361,063	$12,139,710	+0.1%
Net Income	$745,435	$-699,248	-2.1%

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

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	INSTUTIONAL TRUSTEE	0.00		$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
2025	$14,106,498	$13,361,063	$23,915,783	$745,435
2024	No data	No data	No data	No data
2023	$15,918,215	$14,389,604	$23,869,100	$1,528,611
2022	$10,612,747	$12,144,250	$22,341,618	$-1,531,503
2021	$12,055,872	$11,915,115	$23,872,575	$140,757
2020	$12,398,328	$10,681,269	$23,732,823	$1,717,059
2019	$12,323,038	$10,557,114	$22,013,949	$1,765,924
2018	$11,364,104	$10,120,414	$21,358,632	$1,243,690

CENTRAL EMPLOYEE BENEFIT VEBA TR