USW CRUCIBLE RETIREES HEALTH AND WELFARE TRUST (EIN 461309460) - 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

2023-01-01 to 2023-12-31

USW CRUCIBLE RETIREES HEALTH AND WELFARE TRUST, founded in 2012, is a community nonprofit in the Mutual Benefit sector that reported $4.5M in total revenue in fiscal year 2023. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $4.1M left a modest 9% surplus.

Mission

PROVIDING HEALTH AND OTHER WELFARE BENEFITS TO ELIGIBLE 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,735,422

Investment Income $1,749,658

Other Revenue $0

TOTAL REVENUE $4,485,080

Expense Breakdown

Grants Paid $0

Salaries & Benefits $56,212

Fundraising Expenses $0

Other Expenses $343,176

TOTAL EXPENSES $4,069,682

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,485,080	$6,427,196	-0.3%
Expenses	$4,069,682	$4,432,296	-0.1%
Net Income	$415,398	$1,994,900	-0.8%

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

$55,920

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
S HOWARD KLINE	COMMITTEE MEMBER	5.00	Director	$27,960	$0	$27,960
JEANETTE STUMP	COMMITTEE MEMBER	5.00	Director	$27,960	$0	$27,960

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	$4,485,080	$4,069,682	$49,959,782	$415,398
2022	$6,427,196	$4,432,296	$45,870,503	$1,994,900
2021	$5,992,508	$3,883,271	$52,400,583	$2,109,237
2020	$3,841,370	$2,833,950	$47,367,435	$1,007,420
2019	$3,672,854	$3,165,844	$42,700,653	$507,010
2018	$3,652,493	$2,697,969	$37,451,637	$954,524

USW CRUCIBLE RETIREES HEALTH AND WELFARE TRUST