INTERCULTURAL DEVELOPMENT RESEARCH ASSOCIATION RETIREE WELFARE BENEFIT PLAN (EIN 463099736) - 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

2013

Legal Domicile

Principal Officer

MR JUVENTINO GUERRA

Phone

2104441710

Tax Period

2023-09-01 to 2024-08-31

INTERCULTURAL DEVELOPMENT RESEARCH ASSOCIATION RETIREE WELFARE BENEFIT PLAN, founded in 2013, is a small nonprofit in the Mutual Benefit sector that reported $198K in total revenue in fiscal year 2023. Revenue surged 177% from the prior year, signaling strong growth momentum. The organization ran a surplus of $119K, a strong 60% operating margin.

Mission

TO PROVIDE ADDITIONAL HEALTH PREMIUM REIMBURSEMENT OPTIONS TO ELIGIBLE RETIREES OF THE SPONSORING EMPLOYER, INTERCULTURAL DEVELOPMENT RESEARCH ASSOCIATION.

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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 $0

Investment Income $198,096

Other Revenue $0

TOTAL REVENUE $198,096

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $22,508

TOTAL EXPENSES $78,877

Year-over-Year Comparison

	2023	2022	Change
Revenue	$198,096	$71,407	+1.8%
Expenses	$78,877	$78,156	+0.0%
Net Income	$119,219	$-6,749	-18.7%

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

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

$518

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MR JUVENTINO GUERRA	BOARD MEMBER	0.50	Director	$0	$0	$0
DR SALLY ANDRADE	BOARD MEMBER	0.50	Director	$0	$0	$518
N/A	TRUSTEE	1.00		$15,936	$0	$15,936

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	$198,096	$78,877	$2,746,321	$119,219
2023	$71,407	$78,156	$2,509,456	$-6,749
2022	$110,387	$63,164	$2,435,600	$47,223
2021	$204,493	$61,629	$2,777,652	$142,864
2020	$97,827	$62,311	$2,482,631	$35,516

INTERCULTURAL DEVELOPMENT RESEARCH ASSOCIATION RETIREE WELFARE BENEFIT PLAN