CONSUMERS ENERGY CO UNION WBT TO PROVIDE FOR RETIREE HEALTH CARE (EIN 383250137) - 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

1994

Legal Domicile

Principal Officer

THE NORTHERN TRUST CO

Phone

8004775050

Tax Period

2025-01-01 to 2025-12-31

CONSUMERS ENERGY CO UNION WBT TO PROVIDE FOR RETIREE HEALTH CARE, founded in 1994, is a mid-sized nonprofit that reported $44.1M in total revenue in fiscal year 2025. Revenue surged 197% from the prior year, signaling strong growth momentum. The organization ran a surplus of $21.1M, a strong 48% operating margin.

Mission

TO PROVIDE FOR RETIREE HEALTH CARE AND OTHER 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $44,096,236

Other Revenue $2,047

TOTAL REVENUE $44,098,283

Expense Breakdown

Grants Paid $0

Salaries & Benefits $182,543

Fundraising Expenses $0

Program Expenses $23,045,190

Other Expenses $919,302

TOTAL EXPENSES $23,045,190

Year-over-Year Comparison

	2025	2024	Change
Revenue	$44,098,283	$14,862,318	+2.0%
Expenses	$23,045,190	$23,420,962	0.0%
Net Income	$21,053,093	$-8,558,644	-3.5%

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

N/A

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
KENDRA K GROB	DIRECTOR OF EMPLOYEE BENEF	0.00	Director	$0	$0	$0
N/A	TRUSTEE	40.00		$182,543	$0	$182,543

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	$44,098,283	$23,045,190	$946,914,037	$21,053,093
2024	$14,862,318	$23,420,962	$868,399,970	$-8,558,644
2023	$-79,431,111	$21,137,316	$837,732,185	$-100,568,427
2022	$61,218,331	$18,907,577	$762,171,727	$42,310,754
2021	$101,248,447	$20,537,014	$931,830,308	$80,711,433
2020	$34,981,122	$129,753,858	$842,941,390	$-94,772,736
2019	$68,521,178	$19,433,459	$754,941,833	$49,087,719

CONSUMERS ENERGY CO UNION WBT TO PROVIDE FOR RETIREE HEALTH CARE