THE GENERAL DYNAMICS IS&T POSTRETIREMENT LIFE INSURANCE BENEFITS TRUST (EIN 367237990) - 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

1997

Legal Domicile

Principal Officer

AMANDA MACPHAIL

Phone

7038763000

Tax Period

2024-01-01 to 2024-12-31

THE GENERAL DYNAMICS IS&T POSTRETIREMENT LIFE INSURANCE BENEFITS TRUST, founded in 1997, is a community nonprofit in the Mutual Benefit sector that reported $1.4M in total revenue in fiscal year 2019. Revenue surged 60% from the prior year, signaling strong growth momentum. The organization ran a surplus of $375K, a strong 27% operating margin.

Mission

TO PROVIDE EMPLOYEE HEALTH AND WELFARE BENEFITS.

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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 $286

Investment Income $1,244,068

Other Revenue $2,129,157

TOTAL REVENUE $3,373,511

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,907

Fundraising Expenses $0

Other Expenses $687,838

TOTAL EXPENSES $705,745

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,373,511	$751,472	+3.5%
Expenses	$705,745	$689,921	+0.0%
Net Income	$2,667,766	$61,551	+42.3%

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
THE NORTHERN TRUST COMPANY	TRUSTEE	0.0		$17,907	$0	$17,907

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	$3,373,511	$705,745	$32,729,994	$2,667,766
2023	$751,472	$689,921	$28,106,767	$61,551
2022	$10,648,416	$2,752,648	$24,665,896	$7,895,768
2021	$3,071,788	$1,363,199	$31,791,339	$1,708,589
2020	$1,761,004	$1,309,115	$27,529,780	$451,889
2019	$1,395,481	$1,020,770	$25,131,275	$374,711

THE GENERAL DYNAMICS IS&T POSTRETIREMENT LIFE INSURANCE BENEFITS TRUST