ALTRIA LONG-TERM DISABILITY & SURVIVOR BENEFIT TRUST C/O JPMORGAN CHASE BANK (EIN 510194366) - 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

Principal Officer

GREG CANECO

Phone

2125522992

Tax Period

2024-01-01 to 2024-12-31

ALTRIA LONG-TERM DISABILITY & SURVIVOR BENEFIT TRUST C/O JPMORGAN CHASE BANK, founded in 1974, is a community nonprofit that reported $5.6M in total revenue in fiscal year 2024. Expenses of $11.6M exceeded revenue, resulting in a 108% operating deficit.

Mission

SEE PART III, 1

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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 $598,679

Investment Income $4,984,326

Other Revenue $2,050

TOTAL REVENUE $5,585,055

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $8,471,777

Other Expenses $3,136,152

TOTAL EXPENSES $11,607,929

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,585,055	$5,463,597	+0.0%
Expenses	$11,607,929	$10,688,758	+0.1%
Net Income	$-6,022,874	$-5,225,161	+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
N/A	TRUSTEE	40.00		$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	No data	No data	No data	No data
2024	$5,585,055	$11,607,929	$43,498,710	$-6,022,874
2023	$5,463,597	$10,688,758	$51,352,208	$-5,225,161
2022	$4,915,335	$11,875,718	$54,936,394	$-6,960,383
2021	$8,055,781	$11,615,390	$71,923,559	$-3,559,609
2020	$4,858,922	$11,586,987	$73,205,456	$-6,728,065
2019	$5,544,613	$11,729,788	$77,442,587	$-6,185,175
2018	$7,818,804	$12,298,448	$75,868,597	$-4,479,644

ALTRIA LONG-TERM DISABILITY & SURVIVOR BENEFIT TRUST C/O JPMORGAN CHASE BANK