RELIGIOUS AND CHARITABLE RISK POOLING TRUST OF THE BROTHERS OF THE CHRISTIAN (EIN 363094218) - 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

1980

Legal Domicile

Principal Officer

MICHAEL FRIGO

Phone

6303782900

Tax Period

2024-01-01 to 2024-12-31

RELIGIOUS AND CHARITABLE RISK POOLING TRUST OF THE BROTHERS OF THE CHRISTIAN, founded in 1980, is a major nonprofit in the Religion sector that reported $125.8M in total revenue in fiscal year 2024. Expenses of $111.0M left a modest 12% surplus.

Mission

TRUST WAS ESTABLISHED TO PROVIDE PROTECTION AND INDEMNIFY THE BENEFICIARIES AGAINST RISKS OF FINANCIAL LOSS.

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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 $111,491,984

Investment Income $14,278,866

Other Revenue $0

TOTAL REVENUE $125,770,850

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $108,211,878

Other Expenses $20,835,362

TOTAL EXPENSES $111,017,575

Year-over-Year Comparison

	2024	2023	Change
Revenue	$125,770,850	$126,601,517	0.0%
Expenses	$111,017,575	$111,674,188	0.0%
Net Income	$14,753,275	$14,927,329	0.0%

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
MICHAEL FRIGO	TRUSTEE	0.50	Director	$0	$0	$0
SR MARY HELENE GALUZKA OSF	TRUSTEE	0.50	Director	$0	$0	$0
PRESTON KENDALL	TRUSTEE	0.50	Director	$0	$0	$0
CHERYL SHAW	TRUSTEE	0.50	Director	$0	$0	$0
SR JANICE BEMOWSKI RC	TRUSTEE	0.50	Director	$0	$0	$0
KEITH ZEKIND	TRUSTEE	0.50	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	$125,770,850	$111,017,575	$483,868,541	$14,753,275
2023	$126,601,517	$111,674,188	$449,981,916	$14,927,329
2022	$106,946,529	$94,180,462	$387,643,733	$12,766,067
2021	$116,154,797	$92,270,146	$423,768,790	$23,884,651
2020	$100,225,061	$86,938,212	$364,349,282	$13,286,849
2019	$99,683,174	$99,157,693	$320,117,538	$525,481
2018	$94,753,653	$93,263,545	$272,195,738	$1,490,108

RELIGIOUS AND CHARITABLE RISK POOLING TRUST OF THE BROTHERS OF THE CHRISTIAN