Oregon Homecare Workers Benefit Trust (EIN 463907102) - 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

MELISSA UNGER

Phone

2068592642

Tax Period

2023-01-01 to 2023-12-31

Oregon Homecare Workers Benefit Trust, founded in 2013, is a mid-sized nonprofit in the Mutual Benefit sector that reported $27.4M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $31.5M exceeded revenue, resulting in a 15% operating deficit.

Mission

PROVIDE HEALTH AND RELATED BENEFITS TO 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 $26,874,992

Investment Income $3,895

Other Revenue $495,564

TOTAL REVENUE $27,374,451

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,419,199

TOTAL EXPENSES $31,545,515

Year-over-Year Comparison

	2023	2022	Change
Revenue	$27,374,451	$24,442,254	+0.1%
Expenses	$31,545,515	$26,176,996	+0.2%
Net Income	$-4,171,064	$-1,734,742	+1.4%

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
Melissa Unger	CHAIR	1.0	Officer Director	$0	$0	$0
Rebecca Sandoval	SECRETARY	1.0	Director	$0	$0	$0
Joy'e Willman	TRUSTEE	1.0	Director	$0	$0	$0
ANGELA JELLEY	TRUSTEE	1.0	Director	$0	$0	$0
CRISTAL DEJARNAC	TRUSTEE	1.0	Director	$0	$0	$0
CRISTINA AVILES	TRUSTEE	1.0	Director	$0	$0	$0
JOSEFINA RIGGS	TRUSTEE	1.0	Director	$0	$0	$0
VANESSA HERRIOTT	TRUSTEE	1.0	Director	$0	$0	$0
SEE SCH O FOR COMPENSATION	PAID BY RELATED ORGANIZATIONS	0.0	Director	$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	No data	No data	No data	No data
2023	$27,374,451	$31,545,515	$19,315,203	$-4,171,064
2022	$24,442,254	$26,176,996	$21,481,867	$-1,734,742
2021	$27,437,455	$26,698,233	$23,469,609	$739,222
2020	$26,517,788	$27,710,681	$22,591,387	$-1,192,893
2019	$24,767,019	$22,877,634	$21,371,280	$1,889,385
2018	$23,964,150	$21,358,065	$19,695,845	$2,606,085

Oregon Homecare Workers Benefit Trust