RFA POST RETIREMENT MEDICAL LIFE VEBA TRUST (EIN 597212128) - 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

2000

Legal Domicile

Principal Officer

TON-MING FANG

Phone

2025304903

Tax Period

2023-10-01 to 2024-09-30

RFA POST RETIREMENT MEDICAL LIFE VEBA TRUST, founded in 2000, is a small nonprofit in the Mutual Benefit sector that reported $235K in total revenue in fiscal year 2023. Expenses of $350K exceeded revenue, resulting in a 49% operating deficit.

Mission

TO FUND RETIREE MEDICAL/LIFE BENEFITS FOR ELIGIBLE PARTICIPANTS.

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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 $235,171

Other Revenue $0

TOTAL REVENUE $235,171

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $57,961

TOTAL EXPENSES $350,297

Year-over-Year Comparison

	2023	2022	Change
Revenue	$235,171	$-399,812	-1.6%
Expenses	$350,297	$354,950	0.0%
Net Income	$-115,126	$-754,762	-0.8%

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

$561,579

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROLYN BARTHOLOMEW	CHAIRMAN/DIRECTOR	0.50	Director	$0	$0	$0
MICHAEL GREEN	DIRECTOR	0.50	Director	$0	$0	$0
MICHAEL KEMPNER	DIRECTOR	0.50	Director	$0	$0	$0
KEITH RICHBURG	DIRECTOR	0.50	Director	$0	$0	$0
SHANTHI KALATHIL	DIRECTOR	0.50	Director	$0	$0	$0
ALISON HOOKER	DIRECTOR	0.50	Director	$0	$0	$0
JAMES MANN	DIRECTOR	0.50	Director	$0	$0	$0
TON-MING FANG	PRESIDENT	1.00	Officer	$0	$30,515	$285,605
GIJSBRECHT DELEEDE	CHIEF FINANCIAL OFFICER/TR	1.00	Officer	$0	$21,827	$223,763
KEVIN FLEMING	CHIEF OPERATING OFFICER (T	1.00	Officer	$0	$1,071	$52,211
PATRICK TAYLOR JR	CHIEF FINANCIAL OFFICER/TR	1.00		$0	$10,800	$114,241

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	$235,171	$350,297	$7,974,062	$-115,126
2023	$-399,812	$354,950	$6,869,245	$-754,762
2022	$4,209,276	$287,162	$6,277,041	$3,922,114
2021	$501,928	$302,365	$7,641,712	$199,563
2020	$186,671	$965,207	$6,671,913	$-778,536
2019	$184,016	$1,331,436	$6,404,388	$-1,147,420
2018	$189,254	$159,249	$6,364,631	$30,005

RFA POST RETIREMENT MEDICAL LIFE VEBA TRUST