AURA RETIREE HEALTH BENEFIT TRUST (EIN 526775182) - 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

1994

Legal Domicile

Principal Officer

BARBARA LAM

Phone

2024832101

Tax Period

2023-10-01 to 2024-09-30

AURA RETIREE HEALTH BENEFIT TRUST, founded in 1994, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2023. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.6M, a strong 89% operating margin.

Mission

TO PROVIDE RETIREMENT HEALTH 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 $0

Investment Income $1,822,295

Other Revenue $25,292

TOTAL REVENUE $1,847,587

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $142,096

TOTAL EXPENSES $207,894

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,847,587	$1,323,723	+0.4%
Expenses	$207,894	$186,432	+0.1%
Net Income	$1,639,693	$1,137,291	+0.4%

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

$1,209,220

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
CHARLES MOUNTAIN	PRESIDENT	1.00	Officer	$0	$67,081	$633,974
BARBARA LAM	VP OF OPERATIONS/CFO	1.00	Officer	$0	$62,446	$375,351
NANCI REICH	DIRECTOR - CORP GOVERNANCE	1.00	Officer	$0	$45,676	$199,895

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	$1,847,587	$207,894	$46,000,548	$1,639,693
2023	$1,323,723	$186,432	$37,103,907	$1,137,291
2022	$149,696	$199,299	$32,840,468	$-49,603
2021	$2,231,216	$143,633	$40,311,077	$2,087,583
2020	$824,549	$157,298	$32,701,127	$667,251
2019	$462,550	$121,143	$31,380,078	$341,407
2018	$1,692,025	$112,801	$30,370,694	$1,579,224

AURA RETIREE HEALTH BENEFIT TRUST