RCDC VEBA MUTUAL FUND

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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

2013

Legal Domicile

Phone

6025620883

Tax Period

2023-07-01 to 2024-06-30

RCDC VEBA MUTUAL FUND, founded in 2013, is a community nonprofit in the Mutual Benefit sector that reported $1.3M in total revenue in fiscal year 2023. Revenue surged 148% from the prior year, signaling strong growth momentum. The organization ran a surplus of $873K, a strong 68% operating margin.

Mission

FUND HEALTH AND WELLNESS BENEFITS UNDER PAY ADMINISTRATIVE RELATED TO THE DIOCESE OF CHARLOTTE RETIRED CLERGY HEALTH PLAN

Program Service Accomplishments

Program 1

FUND HEALTH AND WELLNESS BENEFITS UNDER PAY ADMINISTRATIVE RELATED TO THE DIOCESE OF CHARLOTTE RETIRED CLERGY HEALTH PLAN

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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 $328,272

Investment Income $957,387

Other Revenue $3,158

TOTAL REVENUE $1,288,817

Expense Breakdown

Grants Paid $0

Salaries & Benefits $19,037

Fundraising Expenses $0

Other Expenses $17,581

TOTAL EXPENSES $415,367

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,288,817	$519,663	+1.5%
Expenses	$415,367	$574,395	-0.3%
Net Income	$873,450	$-54,732	-17.0%

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	1.0		$19,037	$0	$19,037

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	No data	No data	No data	No data
2024	$1,288,817	$415,367	$12,253,172	$873,450
2023	$519,663	$574,395	$11,330,686	$-54,732
2022	$757,949	$680,934	$11,378,332	$77,015
2021	$1,087,157	$533,364	$11,064,073	$553,793