CATERPILLAR INC GROUP INSURANCE MASTER TRUST AGREEMENT 22-46859 (EIN 366426495) - 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

2008

Legal Domicile

Principal Officer

CORPORATE TREASURER

Phone

3096754771

Tax Period

2025-01-01 to 2025-12-31

CATERPILLAR INC GROUP INSURANCE MASTER TRUST AGREEMENT 22-46859, founded in 2008, is a major nonprofit that reported $235.2M in total revenue in fiscal year 2025. Revenue surged 70% from the prior year, signaling strong growth momentum. Expenses of $202.9M left a modest 14% surplus.

Mission

PROVIDING HEALTH AND WELFARE BENEFITS FOR ITS MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $221,464,711

Investment Income $9,378,661

Other Revenue $4,335,567

TOTAL REVENUE $235,178,939

Expense Breakdown

Grants Paid $0

Salaries & Benefits $205,133

Fundraising Expenses $0

Program Expenses $202,939,017

Other Expenses $4,161,007

TOTAL EXPENSES $202,939,017

Year-over-Year Comparison

	2025	2024	Change
Revenue	$235,178,939	$138,623,948	+0.7%
Expenses	$202,939,017	$192,526,738	+0.1%
Net Income	$32,239,922	$-53,902,790	-1.6%

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
N/A	TRUSTEE	1.00		$205,133	$0	$205,133

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	$235,178,939	$202,939,017	$127,917,735	$32,239,922
2024	$138,623,948	$192,526,738	$87,844,017	$-53,902,790
2023	$236,569,415	$211,737,160	$143,997,735	$24,832,255
2022	$213,121,623	$217,496,988	$102,010,725	$-4,375,365
2021	$259,600,286	$261,031,442	$130,518,540	$-1,431,156
2020	$193,750,346	$301,615,707	$147,434,060	$-107,865,361
2019	$246,707,757	$344,984,693	$255,709,869	$-98,276,936
2018	$183,728,288	$288,668,349	$328,334,101	$-104,940,061

CATERPILLAR INC GROUP INSURANCE MASTER TRUST AGREEMENT 22-46859