THE MEMBERS RETIREMENT PLAN (EIN 362164320) - 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

1950

Legal Domicile

Principal Officer

MAGGIE PECK

Phone

6307528400

Tax Period

2024-07-01 to 2025-06-30

THE MEMBERS RETIREMENT PLAN, founded in 1950, is a mid-sized nonprofit that reported $31.9M in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $56.2M exceeded revenue, resulting in a 76% operating deficit.

Mission

MULTIPLE UNION PENSION PROGRAM PROVIDING BENEFITS TO PARTICIPANTS BASED ON THEIR CONTRIBUTIONS.

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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 $5,077,865

Investment Income $26,815,045

Other Revenue $13,615

TOTAL REVENUE $31,906,525

Expense Breakdown

Grants Paid $0

Salaries & Benefits $614,959

Fundraising Expenses $0

Other Expenses $1,588,921

TOTAL EXPENSES $56,240,108

Year-over-Year Comparison

	2024	2023	Change
Revenue	$31,906,525	$44,812,518	-0.3%
Expenses	$56,240,108	$73,674,571	-0.2%
Net Income	$-24,333,583	$-28,862,053	-0.2%

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

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

$215,364

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICK LOPRESTI	CHAIRMAN, BOARD OF TRUSTEE	5.00	Officer Director	$0	$0	$0
MARTY HALLBERG	TRUSTEE	5.00	Director	$0	$0	$0
MICHAEL STAFFORD	VICE CHAIRMAN, BOARD OF TR	5.00	Officer Director	$0	$0	$0
KURT FREEMAN	TRUSTEE	5.00	Director	$0	$0	$0
JOSEPH INEMER JR	SECRETARY	5.00	Officer Director	$0	$0	$0
MICHAEL CONSOLINO	TRUSTEE	5.00	Director	$0	$0	$0
ISRAEL CASTRO	TRUSTEE	5.00	Director	$0	$0	$0
MAGGIE PECK	EXECUTIVE DIRECTOR	40.00	Officer	$177,066	$38,298	$215,364

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	$31,906,525	$56,240,108	$699,316,210	$-24,333,583
2024	$44,812,518	$73,674,571	$673,942,012	$-28,862,053
2023	$28,914,410	$90,701,125	$674,007,457	$-61,786,715
2022	$64,567,329	$90,830,591	$709,032,698	$-26,263,262
2021	$51,507,103	$90,482,265	$851,661,289	$-38,975,162
2020	$47,462,702	$90,359,070	$731,418,183	$-42,896,368
2018	$132,857,701	$114,823,031	$862,953,904	$18,034,670

THE MEMBERS RETIREMENT PLAN