MONTANA CREDIT UNION LEAGUE GROUP BENEFITS TRUST (EIN 376420195) - 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

2007

Legal Domicile

Principal Officer

GERRY SINGLETON

Phone

4064429081

Tax Period

2023-01-01 to 2023-12-31

MONTANA CREDIT UNION LEAGUE GROUP BENEFITS TRUST, founded in 2007, is a community nonprofit in the Mutual Benefit sector that reported $6.7M in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

PROVIDE GROUP BENEFITS TO EMPLOYEES OF ASSOCIATION 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 $6,523,380

Investment Income $201,414

Other Revenue $0

TOTAL REVENUE $6,724,794

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $6,366,779

Other Expenses $690,677

TOTAL EXPENSES $6,587,465

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,724,794	$5,941,913	+0.1%
Expenses	$6,587,465	$5,690,154	+0.2%
Net Income	$137,329	$251,759	-0.5%

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

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
GERALD SINGLETON BEGIN 7123	CHAIR	1.00	Officer Director	$0	$0	$0
STEVE GROOMS	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
ANNAMARIE DEYOUNG	SECRETARY	1.00	Officer Director	$0	$0	$0
JASON HAGADONE THROUGH 92023	TRUSTEE	1.00	Director	$0	$0	$0
EMILY GULDBORG	TRUSTEE	1.00	Director	$0	$0	$0
EDDIE BLACK	TRUSTEE	1.00	Director	$0	$0	$0
DENISE ANDERSON BEGIN 92023	TRUSTEE	1.00	Director	$0	$0	$0
WADE MCFADDEN	TRUSTEE	1.00	Director	$0	$0	$0
TRACIE KENYON CHAIR THRU 5323	CHAIR	1.00	Officer 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
2023	$6,724,794	$6,587,465	$4,478,446	$137,329
2022	$5,941,913	$5,690,154	$4,341,117	$251,759
2021	$5,824,958	$5,352,960	$4,089,358	$471,998
2020	$6,390,167	$5,892,259	$3,617,360	$497,908
2019	$5,608,191	$5,201,860	$3,119,452	$406,331
2018	$5,429,030	$5,191,239	$2,713,121	$237,791

MONTANA CREDIT UNION LEAGUE GROUP BENEFITS TRUST