S&P GLOBAL VEBA HEALTH AND WELFARE TRUST (EIN 366913106) - 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

1990

Legal Domicile

Principal Officer

NORTHERN TRUST COMPANY

Phone

2124381000

Tax Period

2024-01-01 to 2024-12-31

S&P GLOBAL VEBA HEALTH AND WELFARE TRUST, founded in 1990, is a micro nonprofit that reported $50K in total revenue in fiscal year 2024. Revenue fell 74% from the prior year — a significant decline worth monitoring. Expenses of $577K exceeded revenue, resulting in a 1048% operating deficit.

Mission

PROVIDING HEALTH AND 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $43,604

Other Revenue $6,700

TOTAL REVENUE $50,304

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,590

Fundraising Expenses $0

Program Expenses $577,486

Other Expenses $21,065

TOTAL EXPENSES $577,486

Year-over-Year Comparison

	2024	2023	Change
Revenue	$50,304	$190,884	-0.7%
Expenses	$577,486	$3,959,203	-0.9%
Net Income	$-527,182	$-3,768,319	-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

N/A

Independent Members

N/A

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	40.00		$1,590	$0	$1,590

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	$50,304	$577,486	$469,818	$-527,182
2023	$190,884	$3,959,203	$997,000	$-3,768,319
2022	$76,356	$1,843,746	$4,765,319	$-1,767,390
2021	$1,676,684	$5,107,798	$6,532,709	$-3,431,114
2020	$2,066,615	$5,903,990	$9,963,823	$-3,837,375
2019	$2,797,830	$7,260,751	$13,801,198	$-4,462,921
2018	$3,996,384	$7,874,449	$18,264,119	$-3,878,065

S&P GLOBAL VEBA HEALTH AND WELFARE TRUST