INPO MEDICAL BENEFITS PLAN CHARLES SCHWAB BANK TRUSTEE (EIN 582069027) - 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

2003

Legal Domicile

Principal Officer

DEBORAH PRITCHARD

Phone

8884039000

Tax Period

2023-01-01 to 2023-12-31

INPO MEDICAL BENEFITS PLAN CHARLES SCHWAB BANK TRUSTEE, founded in 2003, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2023. Revenue fell 49% from the prior year — a significant decline worth monitoring. Expenses of $4.6M exceeded revenue, resulting in a 96% operating deficit.

Mission

INPO MEDICAL BENEFITS PLAN PROVIDES CERTAIN BENEFITS TO ELIGIBLE RETIREES AND ACTIVE EMPLOYEES OF THE INSTITUTE OF NUCLEAR POWER OPERATIONS AND THEIR SPOUSES AND ELIGIBLE DEPENDENTS, AS APPLICABLE.

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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 $1,612,212

Investment Income $731,442

Other Revenue $0

TOTAL REVENUE $2,343,654

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,093,748

TOTAL EXPENSES $4,593,534

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,343,654	$4,554,335	-0.5%
Expenses	$4,593,534	$1,618,331	+1.8%
Net Income	$-2,249,880	$2,936,004	-1.8%

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	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
2024	No data	No data	No data	No data
2023	$2,343,654	$4,593,534	$43,853,021	$-2,249,880
2022	$4,554,335	$1,618,331	$42,488,883	$2,936,004
2021	$3,677,725	$1,943,019	$50,865,047	$1,734,706
2020	$2,516,105	$1,702,775	$50,240,403	$813,330
2019	$2,386,760	$1,760,386	$46,731,100	$626,374
2018	$2,985,966	$2,248,546	$42,741,066	$737,420

INPO MEDICAL BENEFITS PLAN CHARLES SCHWAB BANK TRUSTEE