ADRIAN RETIREE HEALTH BENEFIT

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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

2007

Principal Officer

WALTER BERRY

Phone

5175231074

Tax Period

2025-01-01 to 2025-12-31

ADRIAN RETIREE HEALTH BENEFIT, founded in 2007, is a micro nonprofit in the Mutual Benefit sector that reported $57K in total revenue in fiscal year 2025. Revenue surged 56% from the prior year, signaling strong growth momentum. Expenses of $209K exceeded revenue, resulting in a 265% operating deficit.

Mission

THE ORGANIZATION'S MISSION IS TO FACILITATE THE PAYMENT OF PREMIUMS FOR GROUP SUPPLEMENTAL HEALTH INSURANCE AND PRESCRIPTION COVERAGE FOR THE BENEFIT OF CERTAIN ADRIAN, MICHIGAN RETIREES OF FKI INDUSTRIES, INC.

Program Service Accomplishments

Program 1

PROVIDE HEALTH CARE BENEFITS TO BENEFICIARIES

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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 $0

Investment Income $3,381

Other Revenue $53,967

TOTAL REVENUE $57,348

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,500

Fundraising Expenses $0

Other Expenses $195,676

TOTAL EXPENSES $209,176

Year-over-Year Comparison

	2025	2024	Change
Revenue	$57,348	$36,755	+0.6%
Expenses	$209,176	$277,953	-0.2%
Net Income	$-151,828	$-241,198	-0.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WALTER BERRY	VEBA COMMITT	N/A	Director	$0	$0	$0
DIANE DONAHUE	VEBA COMMITT	N/A	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	$57,348	$209,176	$1,081,064	$-151,828
2024	$36,755	$277,953	$1,232,852	$-241,198
2023	$7,567	$353,523	$1,475,530	$-345,956
2022	$314,559	$349,342	$1,839,966	$-34,783
2021	$386,971	$418,934	$2,289,163	$-31,963
2020	$-97,643	$521,706	$2,722,381	$-619,349
2019	$118,414	$527,343	$3,337,539	$-408,929
2018	$63,669	$653,321	$3,791,220	$-589,652