EMPIRE-TILDEN-UNITED TACONITE- HIBBING POST-2014 RETIREE BENEFITS ENHANCEMENT (EIN 357204043) - 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

2018

Legal Domicile

Principal Officer

ROBERT H FISCHER

Phone

2166945700

Tax Period

2024-01-01 to 2024-12-31

EMPIRE-TILDEN-UNITED TACONITE- HIBBING POST-2014 RETIREE BENEFITS ENHANCEMENT, founded in 2018, is a community nonprofit in the Mutual Benefit sector that reported $3.3M in total revenue in fiscal year 2024. Revenue fell 74% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $1.1M, a strong 33% operating margin.

Mission

PROVISION OF HEALTH AND WELFARE 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,000,000

Investment Income $1,316,323

Other Revenue $0

TOTAL REVENUE $3,316,323

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,919

Fundraising Expenses $0

Program Expenses $2,211,164

Other Expenses $4,750

TOTAL EXPENSES $2,211,164

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,316,323	$12,595,324	-0.7%
Expenses	$2,211,164	$1,465,437	+0.5%
Net Income	$1,105,159	$11,129,887	-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
KURT HOLLAND	TRUSTEE	0.50	Director	$0	$0	$0
ROBERT FISCHER	TRUSTEE	0.50	Director	$0	$0	$0
ROBERT WITHERELL	TRUSTEE	0.50	Director	$0	$0	$0
JOHN REBROVICH	TRUSTEE	0.50	Director	$0	$0	$0
N/A	TRUSTEE	0.50		$13,919	$0	$13,919

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	$3,316,323	$2,211,164	$26,640,839	$1,105,159
2023	$12,595,324	$1,465,437	$25,535,680	$11,129,887
2022	$5,127,655	$1,432,382	$7,121,839	$3,695,273
2021	$2,520,377	$1,705,504	$3,426,566	$814,873
2020	$372,839	$1,280,225	$2,611,693	$-907,386

EMPIRE-TILDEN-UNITED TACONITE- HIBBING POST-2014 RETIREE BENEFITS ENHANCEMENT