RETIREMENT ENHANCEMENT AND BENEFITS ALTERNATIVES VEBA TRUST (EIN 522345403) - 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

2005

Legal Domicile

Principal Officer

VOYA INSTITUTIONAL TRUST

Phone

6124364600

Tax Period

2025-01-01 to 2025-12-31

RETIREMENT ENHANCEMENT AND BENEFITS ALTERNATIVES VEBA TRUST, founded in 2005, is a community nonprofit in the Mutual Benefit sector that reported $1.4M in total revenue in fiscal year 2025. Revenue fell 27% from the prior year — a significant decline worth monitoring. Net assets of $14.5M represent 122 months of operating reserves.

Mission

TO FUND REIMBURSEMENT OF MEDICAL EXPENSES UNDER A HEALTH REIMBURSEMENT ARRANGEMENT.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,269,894

Investment Income $163,343

Other Revenue $0

TOTAL REVENUE $1,433,237

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $3,232

TOTAL EXPENSES $1,470,381

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,433,237	$1,956,635	-0.3%
Expenses	$1,470,381	$1,397,985	+0.1%
Net Income	$-37,144	$558,650	-1.1%

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	1.00		$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	$1,433,237	$1,470,381	$14,522,053	$-37,144
2024	No data	No data	No data	No data
2023	$2,122,019	$1,485,071	$14,000,547	$636,948
2022	$2,006,749	$1,368,503	$13,363,599	$638,246
2021	$2,184,743	$1,416,302	$12,725,353	$768,441
2020	$2,096,415	$1,209,986	$11,956,912	$886,429
2020	$2,096,415	$4,166,363	$9,000,535	$-2,069,948

RETIREMENT ENHANCEMENT AND BENEFITS ALTERNATIVES VEBA TRUST