TRANSCANADA USA CPG UNION LIFE AND MEDICAL BENEFITS VEBA TRUST (EIN 473912229) - 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

2015

Legal Domicile

Principal Officer

CRAIG RUTKUNAS

Phone

5879333185

Tax Period

2023-01-01 to 2023-12-31

TRANSCANADA USA CPG UNION LIFE AND MEDICAL BENEFITS VEBA TRUST, founded in 2015, is a community nonprofit in the Mutual Benefit sector that reported $2.4M in total revenue in fiscal year 2023. The organization ran a surplus of $1.0M, a strong 43% operating margin.

Mission

PROVIDE LIFE AND MEDICAL INSURANCE BENEFITS

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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 $2,387,698

Other Revenue $0

TOTAL REVENUE $2,387,698

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $225,808

TOTAL EXPENSES $1,368,248

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,387,698	$2,244,762	+0.1%
Expenses	$1,368,248	$1,394,965	0.0%
Net Income	$1,019,450	$849,797	+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

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
CRAIG RUTKUNAS	CHAIR	1.00	Director	$0	$0	$0
BURTON COLE	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
JAYSON ANTOLIN	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
SAM KHUBER	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
JOSHUA GIBBON	CHAIR	1.00	Director	$0	$0	$0
JASON BRIAN	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
EMILY ROGERS	COMMITTEE MEMBER	1.00	Director	$0	$0	$0
ALLISON SCHWAGER	COMMITTEE MEMBER	1.00	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	$2,387,698	$1,368,248	$78,417,021	$1,019,450
2022	$2,244,762	$1,394,965	$73,360,561	$849,797
2021	$2,212,710	$884,569	$94,333,536	$1,328,141
2020	$2,675,749	$868,410	$94,169,576	$1,807,339
2019	$2,783,325	$91,874	$83,658,157	$2,691,451
2018	$2,736,435	$300,465	$73,250,213	$2,435,970

TRANSCANADA USA CPG UNION LIFE AND MEDICAL BENEFITS VEBA TRUST