GRAPHIC COMMUNICATIONS BENEVOLENT TRUST FUND (EIN 521632857) - 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

1990

Legal Domicile

Principal Officer

ISRAEL CASTRO

Phone

2402230310

Tax Period

2024-07-01 to 2025-06-30

GRAPHIC COMMUNICATIONS BENEVOLENT TRUST FUND, founded in 1990, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2024. Expenses of $2.5M exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROVIDE DEATH BENEFITS FOR PARTICIPATING MEMBERS

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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 $138,879

Investment Income $2,058,379

Other Revenue $5,517

TOTAL REVENUE $2,202,775

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $465,874

TOTAL EXPENSES $2,484,845

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,202,775	$-164,492	-14.4%
Expenses	$2,484,845	$2,744,281	-0.1%
Net Income	$-282,070	$-2,908,773	-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

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

$332,615

Total Directors

$430,426

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVEN NOBLES	PRESIDENT/CHAIRMAN	1.00	Officer Director	$0	$57,655	$267,192
CLARK RITCHEY	VICE PRESIDENT/ SECRETARY	1.00	Officer Director	$0	$0	$65,423
DANIEL CABADA	TRUSTEE	1.00	Director	$0	$0	$0
ISRAEL CASTRO	TRUSTEE	1.00	Director	$0	$0	$91,791
BURKE MOFFAT	TRUSTEE	1.00	Director	$0	$0	$0
MARTY HALLBERG	TRUSTEE	1.00	Director	$0	$0	$6,020
PATRICK LOPRESTI	TRUSTEE	1.00	Director	$0	$0	$0
GREG MORLEY	TRUSTEE	1.00	Director	$0	$0	$0
EDDIE WILLIAMS	TRUSTEE	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
2025	$2,202,775	$2,484,845	$68,155,520	$-282,070
2024	$-164,492	$2,744,281	$63,427,214	$-2,908,773
2023	$833,840	$2,911,135	$59,980,511	$-2,077,295
2022	$13,928,230	$3,575,134	$59,319,504	$10,353,096
2021	$4,293,287	$3,062,649	$65,991,553	$1,230,638
2020	$1,945,700	$2,770,840	$55,934,793	$-825,140
2019	$2,506,667	$2,744,122	$55,815,305	$-237,455
2018	$5,324,349	$3,371,317	$54,428,651	$1,953,032

GRAPHIC COMMUNICATIONS BENEVOLENT TRUST FUND