CEDAR HEALTH TRUST

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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

2019

Legal Domicile

Principal Officer

RAMON GUEL

Phone

2068592600

Tax Period

2023-01-01 to 2023-12-31

CEDAR HEALTH TRUST, founded in 2019, is a community nonprofit in the Mutual Benefit sector that reported $3.2M in total revenue in fiscal year 2023.

Mission

THE PURPOSE OF THE TRUST IS TO PROVIDE FOR THE FUNDING OF HEALTH AND WELFARE BENEFITS FROM THE CONTRIBUTIONS OF EMPLOYERS AND ANY PERSONS ELIGIBLE TO MAKE SELF PAYMENTS UNDER THE APPLICABLE LAW.

Program Service Accomplishments

Program 1

THE PURPOSE OF THE TRUST IS TO PROVIDE FOR THE FUNDING OF HEALTH AND WELFARE BENEFITS FROM THE CONTRIBUTIONS OF EMPLOYERS AND ANY PERSONS ELIGIBLE TO MAKE SELF PAYMENTS UNDER THE APPLICABLE LAW.

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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 $3,160,545

Investment Income $420

Other Revenue $0

TOTAL REVENUE $3,160,965

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $184,281

TOTAL EXPENSES $3,151,427

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,160,965	$3,325,433	0.0%
Expenses	$3,151,427	$3,312,803	0.0%
Net Income	$9,538	$12,630	-0.2%

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

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
RAMON GUEL	CHAIRMAN (AS OF 11/2023)	0.10	Officer Director	$0	$0	$0
STEVE SCHRAMM	CHAIRMAN (THROUGH 11/2023)	0.10	Officer Director	$0	$0	$0
KAILEE ELLIOTT	TRUSTEE (THROUGH 11/2023)	0.10	Director	$0	$0	$0
VONDA MILLER	TRUSTEE (AS OF 11/2023)	0.10	Director	$0	$0	$0
CIERRA REYNOLDS	TRUSTEE (AS OF 11/2023)	0.10	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	$3,160,965	$3,151,427	$73,874	$9,538
2022	$3,325,433	$3,312,803	$87,662	$12,630
2021	$4,113,695	$4,074,874	$325,129	$38,821
2020	$2,634,385	$2,618,129	$28,302	$16,256