Nebraska Bankers Assn Voluntary Employees Beneficiary Association (EIN 476092059) - 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

1974

Legal Domicile

Phone

4024741555

Tax Period

2024-01-01 to 2024-12-31

Nebraska Bankers Assn Voluntary Employees Beneficiary Association, founded in 1974, is a mid-sized nonprofit that reported $82.7M in total revenue in fiscal year 2024. Expenses of $95.5M exceeded revenue, resulting in a 15% operating deficit.

Mission

VOLUNTARY EMPLOYEE BENEFICIARY 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $81,697,994

Investment Income $501,102

Other Revenue $544,026

TOTAL REVENUE $82,743,122

Expense Breakdown

Grants Paid $0

Salaries & Benefits $96,796

Fundraising Expenses $0

Program Expenses $0

Other Expenses $4,772,372

TOTAL EXPENSES $95,459,421

Year-over-Year Comparison

	2024	2023	Change
Revenue	$82,743,122	$79,527,091	+0.0%
Expenses	$95,459,421	$84,374,660	+0.1%
Net Income	$-12,716,299	$-4,847,569	+1.6%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN ESCH	VICE CHAIR	1.0	Officer Director	$0	$0	$0
DALLEN GEORGE	PAST CHAIR	1.0	Officer Director	$0	$0	$0
KATY WOLF BODE	CHAIR	1.0	Officer Director	$0	$0	$0
JASON SMITH	TRUSTEE	1.0	Director	$0	$0	$0
JEFF VARNEY	TRUSTEE	1.0	Director	$0	$0	$0
KIMBERLY SCHROLL	TRUSTEE	1.0	Director	$0	$0	$0
MARK JOY	TRUSTEE	1.0	Director	$0	$0	$0
MIKE HECKER	TRUSTEE	1.0	Director	$0	$0	$0
RICHARD CHOCHON	TRUSTEE	1.0	Director	$0	$0	$0
SUSAN KORANDA	TRUSTEE	1.0	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	$82,743,122	$95,459,421	$73,614,260	$-12,716,299
2023	$79,527,091	$84,374,660	$84,650,163	$-4,847,569
2022	$72,017,098	$73,563,173	$73,057,486	$-1,546,075
2021	$65,829,538	$68,832,086	$70,969,122	$-3,002,548
2020	$65,223,796	$60,760,606	$72,480,052	$4,463,190
2019	$64,669,823	$64,259,394	$59,907,376	$410,429
2018	$57,571,428	$59,456,970	$60,496,317	$-1,885,542

Nebraska Bankers Assn Voluntary Employees Beneficiary Association