High Desert & Inland Employee-Employer Trust (EIN 330535320) - 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

1992

Legal Domicile

Principal Officer

Cindy Kunkel

Tax Period

2024-07-01 to 2025-06-30

High Desert & Inland Employee-Employer Trust, founded in 1992, is a mid-sized nonprofit that reported $44.6M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

To deliver the highest level of health and welfare benefits to school district employees and their dependents at the lowest cost.

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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 $44,553,534

Investment Income $57,543

Other Revenue $0

TOTAL REVENUE $44,611,077

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $178,391

TOTAL EXPENSES $44,783,761

Year-over-Year Comparison

	2024	2023	Change
Revenue	$44,611,077	$38,439,140	+0.2%
Expenses	$44,783,761	$39,958,785	+0.1%
Net Income	$-172,684	$-1,519,645	-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

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

$147,895

Total Directors

$645,820

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Matt Schulenberg	Director	1.00	Director	$0	$0	$209,676
Cindy Kunkel	Chairman	5.00	Officer Director	$0	$0	$147,895
Melanie Olson Zavala	Director	1.00	Director	$0	$0	$125,595
Karen Sabers	Director	5.00	Director	$0	$0	$105,721
Ashley Andrade	Director	5.00	Director	$0	$0	$56,933
Brian Hahn	Co Chair	1.00	Officer Director	$0	$0	$0
Frank Silva	Director	1.00	Director	$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	$44,611,077	$44,783,761	$266,372	$-172,684
2024	$38,439,140	$39,958,785	$926,225	$-1,519,645
2023	$69,854,477	$69,156,508	$5,778,602	$697,969
2022	$74,305,229	$73,602,667	$8,134,571	$702,562
2021	$85,880,348	$85,366,274	$6,425,649	$514,074
2020	$80,259,646	$79,392,558	$7,739,695	$867,088

High Desert & Inland Employee-Employer Trust