CONSTELLATION NEW ENGLAND UNION POST- EMPLOYMENT MEDICAL SAVINGS ACCOUNT TRUST (EIN 522314150) - 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

1996

Legal Domicile

Principal Officer

LISA AGASE

Phone

7792315871

Tax Period

2023-01-01 to 2023-12-31

CONSTELLATION NEW ENGLAND UNION POST- EMPLOYMENT MEDICAL SAVINGS ACCOUNT TRUST, founded in 1996, is a micro nonprofit in the Mutual Benefit sector that reported $75K in total revenue in fiscal year 2023. Revenue surged 52% from the prior year, signaling strong growth momentum. The organization ran a surplus of $75K, a strong 100% operating margin.

Mission

TO PROVIDE RETIREE HEALTH CARE BENEFITS TO THE PARTICIPATING MEMBERS OF THE VEBA.

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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 $27,316

Investment Income $47,983

Other Revenue $0

TOTAL REVENUE $75,299

Expense Breakdown

Grants Paid $0

Salaries & Benefits $180

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $180

Year-over-Year Comparison

	2023	2022	Change
Revenue	$75,299	$49,612	+0.5%
Expenses	$180	$173	+0.0%
Net Income	$75,119	$49,439	+0.5%

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

N/A

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	INSTITUTIONAL TRUSTEE	1.00		$180	$0	$180

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	$75,299	$180	$1,376,990	$75,119
2022	$49,612	$173	$1,218,821	$49,439
2021	$62,472	$140	$1,114,700	$62,332
2020	$44,952	$114	$989,083	$44,838
2019	$51,490	$42,563	$911,138	$8,927
2018	$74,134	$15,356	$847,554	$58,778

CONSTELLATION NEW ENGLAND UNION POST- EMPLOYMENT MEDICAL SAVINGS ACCOUNT TRUST