NEA MEMBERS INSURANCE TRUST (EIN 521126682) - 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

1978

Legal Domicile

Principal Officer

NOEL CANDELARIA

Phone

3012519600

Tax Period

2023-09-01 to 2024-08-31

NEA MEMBERS INSURANCE TRUST, founded in 1978, is a major nonprofit that reported $102.7M in total revenue in fiscal year 2023.

Mission

To provide certain employee welfare benefits to National Education Association(NEA) members and their dependents, pursuant to the NEA Members Insurance Plan.

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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 $85,799,486

Investment Income $16,904,706

Other Revenue $0

TOTAL REVENUE $102,704,192

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $28,742,987

TOTAL EXPENSES $104,470,050

Year-over-Year Comparison

	2023	2022	Change
Revenue	$102,704,192	$97,675,120	+0.1%
Expenses	$104,470,050	$125,453,352	-0.2%
Net Income	$-1,765,858	$-27,778,232	-0.9%

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

$917,264

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Noel Candelaria	Chairperson	1	Director	$0	$133,849	$507,990
Michael McPherson	Trustee	1	Director	$0	$116,834	$409,274
Mary Ann Blankenship	Trustee	1	Director	$0	$0	$0
Debra Goldberg	Trustee	1	Director	$0	$0	$0
Tyrone Hendrix	Trustee	1	Director	$0	$0	$0
Susan Hussar	Trustee	1	Director	$0	$0	$0
Judy Schaubach	Trustee	1	Director	$0	$0	$0
Denise Specht	Trustee	1	Director	$0	$0	$0
Dennis Van Roekel	Trustee	1	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	$102,704,192	$104,470,050	$123,933,591	$-1,765,858
2023	$97,675,120	$125,453,352	$132,885,298	$-27,778,232
2022	$108,316,678	$110,025,657	$153,761,845	$-1,708,979
2021	$114,296,496	$115,870,932	$192,678,262	$-1,574,436
2020	$103,083,951	$101,311,319	$176,698,298	$1,772,632
2019	$100,987,816	$96,138,601	$169,100,821	$4,849,215
2018	$109,710,451	$101,873,360	$175,812,942	$7,837,091

NEA MEMBERS INSURANCE TRUST