CUMMINS INC LONG-TERM DISABILITY TRUST 22-68297 (EIN 366807330) - 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

1983

Legal Domicile

Principal Officer

DONALD G JACKSONMC 6012

Phone

8123775000

Tax Period

2025-01-01 to 2025-12-31

CUMMINS INC LONG-TERM DISABILITY TRUST 22-68297, founded in 1983, is a small nonprofit in the Mutual Benefit sector that reported $189K in total revenue in fiscal year 2025. Revenue fell 68% from the prior year — a significant decline worth monitoring. Expenses of $7.4M exceeded revenue, resulting in a 3790% operating deficit.

Mission

PROVIDING DISABILITY 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 $0

Investment Income $189,353

Other Revenue $0

TOTAL REVENUE $189,353

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,366,649

Other Expenses $30,750

TOTAL EXPENSES $7,366,649

Year-over-Year Comparison

	2025	2024	Change
Revenue	$189,353	$586,631	-0.7%
Expenses	$7,366,649	$4,936,820	+0.5%
Net Income	$-7,177,296	$-4,350,189	+0.6%

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
MARVIN BOAKYE	V.P AND CHIEF HUMAN RESOUR	12.00	Director	$0	$0	$0
JOHN GAIDOO	ASST GENERAL COUNSEL-LABOR	12.00	Director	$0	$0	$0
LUTHER PETERS	V.P AND CONTROLLER	12.00	Director	$0	$0	$0
MARK SMITH	V.P - CHIEF FINANCIAL OFFI	12.00	Director	$0	$0	$0
DONALD JACKSON	V.P, TREASURY & TAX	12.00	Director	$0	$0	$0
DIANA REY-MARRERO	V.P, CUMMINS BUSINESS SERV	12.00	Director	$0	$0	$0
SHARON BARNER	V.P AND CHIEF ADMIN OFFICE	12.00	Director	$0	$0	$0
N/A	TRUSTEE	12.00		$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	$189,353	$7,366,649	$692,744	$-7,177,296
2024	$586,631	$4,936,820	$7,870,040	$-4,350,189
2023	$629,153	$82,723	$12,220,229	$546,430
2022	$211,493	$80,893	$11,673,799	$130,600
2021	$19,860	$120,227	$11,543,199	$-100,367
2020	$79,224	$151,729	$11,643,566	$-72,505
2019	$280,381	$172,265	$11,716,071	$108,116
2018	$242,328	$179,923	$11,607,955	$62,405

CUMMINS INC LONG-TERM DISABILITY TRUST 22-68297