RIVERSIDE RESORT & CASINO VEBA EMPLOYEE BENEFIT PLAN TRUST C/O DONALD J LAUGHLIN (EIN 526475751) - 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

1982

Legal Domicile

Principal Officer

MATT LAUGHLIN

Phone

7022982535

Tax Period

2023-01-01 to 2023-12-31

RIVERSIDE RESORT & CASINO VEBA EMPLOYEE BENEFIT PLAN TRUST C/O DONALD J LAUGHLIN, founded in 1982, is a community nonprofit that reported $8.1M in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. Expenses of $7.8M left a modest 3% surplus.

Mission

EMPLOYEE MEDICAL HEALTH CARE BENEFIT PROGRAM, LIFE INSURANCE BENEFITS AND OTHER WELFARE BENEFITS.

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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 $8,092,809

Investment Income $0

Other Revenue $0

TOTAL REVENUE $8,092,809

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $664,489

TOTAL EXPENSES $7,812,600

Year-over-Year Comparison

	2023	2022	Change
Revenue	$8,092,809	$8,710,444	-0.1%
Expenses	$7,812,600	$8,415,178	-0.1%
Net Income	$280,209	$295,266	-0.1%

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
MATT LAUGHLIN	TRUSTEE	1.00	Director	$0	$0	$0
MALIBU DIAZ	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
2024	No data	No data	No data	No data
2023	$8,092,809	$7,812,600	$2,584,844	$280,209
2022	$8,710,444	$8,415,178	$2,304,635	$295,266
2021	$9,192,367	$8,646,121	$2,009,369	$546,246
2020	$5,196,640	$5,887,902	$1,463,123	$-691,262
2019	$8,958,945	$9,347,946	$2,154,385	$-389,001
2018	$11,690,934	$11,086,598	$2,543,386	$604,336

RIVERSIDE RESORT & CASINO VEBA EMPLOYEE BENEFIT PLAN TRUST C/O DONALD J LAUGHLIN