NAVISTAR INC RETIREE SUPPLEMENTAL BENEFIT TRUST (EIN 341778431) - 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

1993

Legal Domicile

Principal Officer

WAYNE KRZYSIAK

Phone

2162618414

Tax Period

2023-01-01 to 2023-12-31

NAVISTAR INC RETIREE SUPPLEMENTAL BENEFIT TRUST, founded in 1993, is a mid-sized nonprofit that reported $40.5M in total revenue in fiscal year 2023. Revenue fell 90% from the prior year — a significant decline worth monitoring. Expenses of $78.0M exceeded revenue, resulting in a 93% operating deficit.

Mission

TO PROVIDE SUPPLEMENTAL HEALTH AND LIFE BENEFITS FOR RETIREES.

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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 $0

Program Service Revenue $0

Investment Income $33,584,592

Other Revenue $6,885,556

TOTAL REVENUE $40,470,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $129,263

Fundraising Expenses $0

Other Expenses $30,006,694

TOTAL EXPENSES $78,013,630

Year-over-Year Comparison

	2023	2022	Change
Revenue	$40,470,148	$413,202,220	-0.9%
Expenses	$78,013,630	$12,116,024	+5.4%
Net Income	$-37,543,482	$401,086,196	-1.1%

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

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

$44,800

Total Directors

$129,263

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DOUGLAS HUNTER	CHAIRMAN	10.00	Officer Director	$44,800	$0	$44,800
WAYNE KRZYSIAK	AUDIT CHAIR	10.00	Director	$35,463	$0	$35,463
STEVE SHELTON	COMMITTEE MEMBER	10.00	Director	$26,300	$0	$26,300
STEPHEN GOLDMAN	COMMITTEE MEMBER	10.00	Director	$22,700	$0	$22,700
ROBERT SCIOTTI	SECRETARY	10.00	Officer 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
2024	No data	No data	No data	No data
2023	$40,470,148	$78,013,630	$789,608,528	$-37,543,482
2022	$413,202,220	$12,116,024	$829,043,257	$401,086,196
2021	$4,402,632	$7,180,911	$427,957,061	$-2,778,279
2021	$84,519,901	$130,837,281	$406,246,814	$-46,317,380
2020	$21,095,998	$56,754,751	$402,732,186	$-35,658,753
2019	$55,337,760	$43,372,100	$438,390,939	$11,965,660
2018	$51,608,216	$80,872,415	$400,761,570	$-29,264,199

NAVISTAR INC RETIREE SUPPLEMENTAL BENEFIT TRUST