CONSUMERS ENERGY CO UNION WBT TO PROVIDE FOR RETIREE LIFE INSURANCE (EIN 383269155) - 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

1995

Legal Domicile

Principal Officer

THE NORTHERN TRUST CO

Phone

8004775050

Tax Period

2025-01-01 to 2025-12-31

CONSUMERS ENERGY CO UNION WELFARE BENEFIT, founded in 1995, is a small nonprofit that reported $399K in total revenue in fiscal year 2018. Revenue surged 48% from the prior year, signaling strong growth momentum. Net assets of $10.1M represent 304 months of operating reserves.

Mission

TO PROVIDE FOR RETIREE LIFE INSURANCE 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 $284,584

Other Revenue $0

TOTAL REVENUE $284,584

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,794

Fundraising Expenses $0

Program Expenses $451,748

Other Expenses $18,112

TOTAL EXPENSES $451,748

Year-over-Year Comparison

	2025	2024	Change
Revenue	$284,584	$378,944	-0.2%
Expenses	$451,748	$457,802	0.0%
Net Income	$-167,164	$-78,858	+1.1%

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

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		$5,794	$0	$5,794

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	$284,584	$451,748	$15,171,474	$-167,164
2024	$378,944	$457,802	$13,451,376	$-78,858
2023	$1,591,466	$507,875	$12,690,729	$1,083,591
2022	$579,918	$496,025	$11,419,820	$83,893
2021	$893,236	$429,480	$14,035,009	$463,756
2020	$352,254	$1,895,296	$12,651,707	$-1,543,042
2019	$320,008	$419,952	$11,519,299	$-99,944
2018	$398,878	$431,819	$10,095,841	$-32,941

CONSUMERS ENERGY CO UNION WBT TO PROVIDE FOR RETIREE LIFE INSURANCE