USW-YOKOHAMA TIRE RETIREES HEALTH AND WELFARE TRUST (EIN 456572676) - 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

2012

Legal Domicile

Principal Officer

JEANETTE STUMP

Phone

4122012242

Tax Period

2024-01-01 to 2024-12-31

USW-YOKOHAMA TIRE RETIREES HEALTH AND WELFARE TRUST, founded in 2012, is a community nonprofit in the Mutual Benefit sector that reported $7.5M in total revenue in fiscal year 2024. Revenue surged 59% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.6M, a strong 48% operating margin.

Mission

PROVISION OF RETIREE HEALTH AND OTHER WELFARE BENEFITS TO PLAN PARTICIPANTS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,912,413

Investment Income $630,734

Other Revenue $0

TOTAL REVENUE $7,543,147

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,500

Fundraising Expenses $0

Program Expenses $3,950,133

Other Expenses $181,326

TOTAL EXPENSES $3,949,683

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,543,147	$4,740,753	+0.6%
Expenses	$3,949,683	$4,152,903	0.0%
Net Income	$3,593,464	$587,850	+5.1%

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
ALISA CHEN	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
RANDY HILL	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
STEVE JONES	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
JEANETTE STUMP	COMMITTEE MEMBER	3.00	Director	$0	$0	$0
N/A	INSTITUTIONAL TRUSTEE	1.00		$7,500	$0	$7,500

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	$7,543,147	$3,949,683	$18,472,567	$3,593,464
2023	$4,740,753	$4,152,903	$14,330,496	$587,850
2022	$5,637,701	$3,935,291	$12,824,603	$1,702,410
2021	$4,581,617	$3,589,931	$12,754,811	$991,686
2020	$4,578,224	$3,355,435	$11,213,663	$1,222,789
2019	$3,822,219	$3,174,349	$9,821,548	$647,870
2018	$4,551,403	$1,929,016	$9,110,502	$2,622,387

USW-YOKOHAMA TIRE RETIREES HEALTH AND WELFARE TRUST