JOHNS HOPKINS UNIVERSITY RETIREE MEDICAL BENEFITS TRUST (EIN 526644093) - 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

1993

Legal Domicile

Principal Officer

LAURENT HELLER

Phone

4439978155

Tax Period

2024-07-01 to 2025-06-30

JOHNS HOPKINS UNIVERSITY RETIREE MEDICAL BENEFITS TRUST, founded in 1993, is a mid-sized nonprofit in the Education sector that reported $14.5M in total revenue in fiscal year 2024. Revenue surged 39% from the prior year, signaling strong growth momentum. The organization ran a surplus of $6.6M, a strong 45% operating margin.

Mission

TO SUPPORT AND PROMOTE THE OBJECTIVES, PHILOSOPHIES AND BEST INTEREST OF THE UNIVERSITY.

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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 $0

Investment Income $14,492,527

Other Revenue $0

TOTAL REVENUE $14,492,527

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,924,523

Other Expenses $11,899

TOTAL EXPENSES $7,936,422

Year-over-Year Comparison

	2024	2023	Change
Revenue	$14,492,527	$10,457,155	+0.4%
Expenses	$7,936,422	$13,741,833	-0.4%
Net Income	$6,556,105	$-3,284,678	-3.0%

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

N/A

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	TRUSTEE	0.00		$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	$14,492,527	$7,936,422	$345,062,329	$6,556,105
2024	No data	No data	No data	No data
2023	$-19,345,829	$9,036,803	$312,078,797	$-28,382,632
2022	$-2,214,782	$9,389,894	$312,303,761	$-11,604,676
2021	$90,822,229	$9,202,165	$393,460,709	$81,620,064
2020	$4,366,145	$8,920,150	$312,853,181	$-4,554,005
2019	$-3,418,722	$8,286,274	$306,970,694	$-11,704,996
2018	$65,510,537	$5,133,390	$295,918,430	$60,377,147

JOHNS HOPKINS UNIVERSITY RETIREE MEDICAL BENEFITS TRUST