STANDARD DISCOUNT CORPORATION VEBA (EIN 581962187) - 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

1991

Legal Domicile

Principal Officer

DANIEL JETER

Phone

2299859696

Tax Period

2025-01-01 to 2025-12-31

STANDARD DISCOUNT CORPORATION VEBA, founded in 1991, is a small nonprofit that reported $294K in total revenue in fiscal year 2025. Revenue fell 81% from the prior year — a significant decline worth monitoring.

Mission

ESTABLISHED TO PROVIDE VOLUNTARY BENEFITS TO THE ORGANIZATION'S MEMBERS.

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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 $294,077

Investment Income $0

Other Revenue $0

TOTAL REVENUE $294,077

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $150,000

TOTAL EXPENSES $311,037

Year-over-Year Comparison

	2025	2024	Change
Revenue	$294,077	$1,532,214	-0.8%
Expenses	$311,037	$1,514,962	-0.8%
Net Income	$-16,960	$17,252	-2.0%

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

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

$517,925

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES JETER	TRUSTEE	1.00	Director	$143,710	$0	$143,710
DAN JETER	TRUSTEE	1.00	Director	$230,561	$0	$230,561
AMY RICHTER	TRUSTEE	1.00	Director	$143,654	$0	$143,654
WILLIAM H REID	MANAGER	1.00	Highest	$141,254	$0	$141,254
ANDREW K SHEALY	MANAGER	1.00	Highest	$132,979	$0	$132,979

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	$294,077	$311,037	$2,334	$-16,960
2024	$1,532,214	$1,514,962	$19,294	$17,252
2023	$713,146	$712,688	$2,042	$458
2022	$751,747	$757,454	$1,584	$-5,707
2021	$577,780	$606,803	$7,291	$-29,023
2020	$764,612	$729,885	$36,314	$34,727
2019	$844,134	$841,185	$1,587	$2,949
2018	$781,691	$802,632	No data	$-20,941

STANDARD DISCOUNT CORPORATION VEBA