Employee Benefit Trust for Retirees of Spire MO Inc Covered by a Collective Bargaining Agr (EIN 431699619) - 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

Boyan Lalov

Phone

3143420586

Tax Period

2023-10-01 to 2024-09-30

Employee Benefit Trust for Retirees of Spire MO Inc Covered by a Collective Bargaining Agr, founded in 1994, is a mid-sized nonprofit that reported $10.1M in total revenue in fiscal year 2023. Revenue surged 42% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.7M, a strong 37% operating margin.

Mission

The VEBA provides payments of benefits under Spire Missouri's group benefit program for medical and life insurance benefits for retirees of the plan and their dependents.

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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 $4,879,829

Investment Income $5,237,553

Other Revenue $0

TOTAL REVENUE $10,117,382

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $173,588

TOTAL EXPENSES $6,372,122

Year-over-Year Comparison

	2023	2022	Change
Revenue	$10,117,382	$7,148,199	+0.4%
Expenses	$6,372,122	$5,635,102	+0.1%
Net Income	$3,745,260	$1,513,097	+1.5%

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

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
US Bank	Bank	0.0		$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	$10,117,382	$6,372,122	$173,249,441	$3,745,260
2023	$7,148,199	$5,635,102	$142,521,514	$1,513,097
2022	$8,994,301	$5,739,078	$130,848,037	$3,255,223
2021	$6,097,348	$4,503,420	$89,128,792	$1,593,928
2020	$4,552,296	$4,946,955	$87,534,864	$-394,659

Employee Benefit Trust for Retirees of Spire MO Inc Covered by a Collective Bargaining Agr