National YMCA Employee Benefits Trust (EIN 366736628) - 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

1982

Legal Domicile

Phone

8008729622

Tax Period

2025-01-01 to 2025-12-31

National YMCA Employee Benefits Trust, founded in 1982, is a major nonprofit that reported $117.7M in total revenue in fiscal year 2025. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $131.9M exceeded revenue, resulting in a 12% operating deficit.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $114,954,655

Investment Income $2,763,820

Other Revenue $0

TOTAL REVENUE $117,718,475

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,500

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,412,056

TOTAL EXPENSES $131,942,567

Year-over-Year Comparison

	2025	2024	Change
Revenue	$117,718,475	$99,128,288	+0.2%
Expenses	$131,942,567	$100,968,454	+0.3%
Net Income	$-14,224,092	$-1,840,166	+6.7%

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
US BANK NATIONAL ASSOCIATION	TRUSTEE	2.0		$12,500	$0	$12,500

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	$117,718,475	$131,942,567	$20,817,763	$-14,224,092
2024	No data	No data	No data	No data
2023	$99,275,610	$94,375,519	$36,404,522	$4,900,091
2022	$90,737,839	$93,756,105	$30,500,304	$-3,018,266
2021	$83,776,536	$90,694,562	$37,583,698	$-6,918,026
2020	$82,956,067	$85,552,389	$43,779,263	$-2,596,322
2019	$105,866,840	$108,635,942	$44,923,377	$-2,769,102
2018	$108,975,987	$101,734,187	$44,343,737	$7,241,800

National YMCA Employee Benefits Trust