NAVISTAR INC RETIREE HEALTH BENEFIT TRUST (EIN 367041538) - 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

1993

Legal Domicile

Principal Officer

THE NORTHERN TRUST COMPAN

Phone

3313325000

Tax Period

2023-01-01 to 2023-12-31

NAVISTAR INC RETIREE HEALTH BENEFIT TRUST, founded in 1993, is a mid-sized nonprofit that reported $45.1M in total revenue in fiscal year 2023. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $85.5M exceeded revenue, resulting in a 90% operating deficit.

Mission

TO PROVIDE RETIREE HEALTH AND LIFE INSURANCE 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $31,496,143

Investment Income $13,450,180

Other Revenue $112,637

TOTAL REVENUE $45,058,960

Expense Breakdown

Grants Paid $0

Salaries & Benefits $232,425

Fundraising Expenses $0

Other Expenses $3,016,460

TOTAL EXPENSES $85,478,493

Year-over-Year Comparison

	2023	2022	Change
Revenue	$45,058,960	$58,640,428	-0.2%
Expenses	$85,478,493	$71,239,645	+0.2%
Net Income	$-40,419,533	$-12,599,217	+2.2%

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

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	1.00		$232,425	$0	$232,425

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	No data	No data	No data	No data
2023	$45,058,960	$85,478,493	$307,228,448	$-40,419,533
2022	$58,640,428	$71,239,645	$336,504,470	$-12,599,217
2021	$35,753,130	$27,920,351	$377,957,339	$7,832,779
2020	$74,206,548	$90,460,825	$338,274,092	$-16,254,277
2020	$74,206,548	$67,555,580	$361,179,338	$6,650,968
2019	$82,947,329	$98,224,899	$362,000,138	$-15,277,570
2018	$100,905,493	$114,973,294	$362,242,231	$-14,067,801

NAVISTAR INC RETIREE HEALTH BENEFIT TRUST