THE GENERAL DYNAMICS IS&T RETIREE BENEFITS TRUST (EIN 367237991) - 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 RETIREE BENEFITS TRUST, founded in 1997, is a mid-sized nonprofit in the Mutual Benefit sector that reported $11.3M in total revenue in fiscal year 2019. Revenue surged 88% from the prior year, signaling strong growth momentum. Expenses of $16.2M exceeded revenue, resulting in a 44% operating deficit.

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 $3,133,775

Investment Income $2,447,097

Other Revenue $0

TOTAL REVENUE $5,580,872

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,312

Fundraising Expenses $0

Other Expenses $570,996

TOTAL EXPENSES $12,153,202

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,580,872	$6,391,400	-0.1%
Expenses	$12,153,202	$17,622,090	-0.3%
Net Income	$-6,572,330	$-11,230,690	-0.4%

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		$14,312	$0	$14,312

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	$5,580,872	$12,153,202	$65,761,165	$-6,572,330
2023	$6,391,400	$17,622,090	$74,550,742	$-11,230,690
2022	$34,550,972	$18,182,966	$82,634,331	$16,368,006
2021	$15,120,294	$15,761,646	$104,439,191	$-641,352
2020	$12,836,914	$14,908,195	$103,955,974	$-2,071,281
2019	$11,267,485	$16,192,492	$102,218,863	$-4,925,007

THE GENERAL DYNAMICS IS&T RETIREE BENEFITS TRUST