VEBA TRUST AGREEMENT FOR LIBERTY UTILITIES NON-UNION EMPLOYEES (EIN 466541199) - 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

PUNAM MAINI

Phone

9133190380

Tax Period

2025-01-01 to 2025-12-31

VEBA TRUST AGREEMENT FOR LIBERTY UTILITIES NON-UNION EMPLOYEES, founded in 2012, is a community nonprofit in the Mutual Benefit sector that reported $1.3M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $2.2M exceeded revenue, resulting in a 72% operating deficit.

Mission

HEALTH & DENTAL CARE BENEFITS TO NON-UNION RETIREES OF LIBERTY UTILITIES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $41,849

Investment Income $1,233,416

Other Revenue $0

TOTAL REVENUE $1,275,265

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,606

Fundraising Expenses $0

Other Expenses $619,427

TOTAL EXPENSES $2,196,843

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,275,265	$1,131,812	+0.1%
Expenses	$2,196,843	$1,729,970	+0.3%
Net Income	$-921,578	$-598,158	+0.5%

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

N/A

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
N/A	TRUSTEE	1.00		$8,606	$0	$17,787
PUNAM MAINI	AUTHORIZED OFFICER	1.00	Officer	$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
2025	$1,275,265	$2,196,843	$23,291,513	$-921,578
2024	$1,131,812	$1,729,970	$22,337,474	$-598,158
2023	$1,304,360	$1,321,263	$23,588,696	$-16,903
2022	$1,022,703	$1,215,934	$20,811,330	$-193,231
2021	$1,070,931	$907,019	$24,549,411	$163,912
2020	$1,191,362	$702,492	$23,725,722	$488,870

VEBA TRUST AGREEMENT FOR LIBERTY UTILITIES NON-UNION EMPLOYEES