University of Chicago Retiree Medical Trust (EIN 363999692) - 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

1995

Legal Domicile

Phone

7738345819

Tax Period

2024-07-01 to 2025-06-30

University of Chicago Retiree Medical Trust, founded in 1995, is a community nonprofit in the Mutual Benefit sector that reported $4.8M in total revenue in fiscal year 2024. Revenue fell 88% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $3.5M, a strong 72% operating margin.

Mission

THE PURPOSE OF THE TRUST IS TO SUPPORT AND BENEFIT THE UNIVERSITY OF CHICAGO, A 501(C)(3) EXEMPT ORGANIZATION, BY PROVIDING MEDICAL REIMBURSEMENT ON BEHALF OF THE UNIVERSITY'S RETIRED FORMER EMPLOYEES.

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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 $0

Investment Income $4,809,105

Other Revenue $887

TOTAL REVENUE $4,809,992

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,322,726

Other Expenses $1,323,613

TOTAL EXPENSES $1,323,613

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,809,992	$39,822,192	-0.9%
Expenses	$1,323,613	$11,437	+114.7%
Net Income	$3,486,379	$39,810,755	-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

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
UNIVERSITY OF CHICAGO	INSTITUTIONAL TRUSTEE	0.0		$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	$4,809,992	$1,323,613	$134,848,617	$3,486,379
2024	No data	No data	No data	No data
2023	$1,522,655	No data	$107,806,112	No data
2022	$3,829,374	$7,985	$98,808,264	$3,821,389
2021	$4,171,517	No data	$111,976,713	No data
2020	$3,781,287	$1,640	$93,541,115	$3,779,647

University of Chicago Retiree Medical Trust