TRANSCANADA USA CPG NON-UNION POST-65 RETIREE MEDICAL BENEFITS VEBA TRUST (EIN 371782834) - 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

2015

Legal Domicile

Principal Officer

CRAIG RUTKUNAS

Phone

5879333185

Tax Period

2022-01-01 to 2022-12-31

TRANSCANADA USA CPG NON-UNION POST-65 RETIREE MEDICAL BENEFITS VEBA TRUST, founded in 2015, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2022. Revenue fell 42% from the prior year — a significant decline worth monitoring. Expenses of $3.3M exceeded revenue, resulting in a 219% operating deficit.

Mission

PROVIDE MEDICAL 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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $760,274

Other Revenue $261,254

TOTAL REVENUE $1,021,528

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $491,444

TOTAL EXPENSES $3,263,086

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,021,528	$1,763,986	-0.4%
Expenses	$3,263,086	$3,810,160	-0.1%
Net Income	$-2,241,558	$-2,046,174	+0.1%

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

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
CRAIG RUTKUNAS	CHAIR	1.00	Director	$0	$0	$0
STEPHANIE PARIS	COMMITTEE MEMBER (UNTIL 03/22)	1.00	Director	$0	$0	$0
BURTON COLE	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
JAYSON ANTOLIN	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
SAM KHUBER	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
JOSHUA GIBBON	CHAIR	1.00	Director	$0	$0	$0
KIMBERLY HILL	COMMITTEE MEMBER (UNTIL 01/22)	1.00	Director	$0	$0	$0
JASON BRIAN	COMMITTEE MEMBER	1.00	Director	$0	$0	$0

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
2022	$1,021,528	$3,263,086	$24,688,391	$-2,241,558
2021	$1,763,986	$3,810,160	$34,270,113	$-2,046,174
2020	$1,984,830	$2,937,098	$36,799,974	$-952,268
2019	$1,666,748	$2,234,957	$33,981,310	$-568,209
2018	$1,173,720	$2,293,803	$31,216,651	$-1,120,083

TRANSCANADA USA CPG NON-UNION POST-65 RETIREE MEDICAL BENEFITS VEBA TRUST