FLINT EMC VEBA TRUST (EIN 597249245) - 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

2004

Legal Domicile

Principal Officer

NATIONAL ADVISORS TRUST COMPANY

Phone

4788473415

Tax Period

2025-01-01 to 2025-12-31

FLINT EMC VEBA TRUST, founded in 2004, is a community nonprofit in the Mutual Benefit sector that reported $1.7M in total revenue in fiscal year 2025. Revenue surged 115% from the prior year, signaling strong growth momentum. Expenses of $4.3M exceeded revenue, resulting in a 148% operating deficit.

Mission

TO PROVIDE CERTAIN RETIREE HEALTH BENEFITS FOR ELIGIBLE EMPLOYEES OF FLINT ELECTRIC MEMBERSHIP CORPORATION.

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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 $266,316

Investment Income $1,462,545

Other Revenue $0

TOTAL REVENUE $1,728,861

Expense Breakdown

Grants Paid $0

Salaries & Benefits $70,849

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $4,287,116

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,728,861	$805,151	+1.1%
Expenses	$4,287,116	$408,049	+9.5%
Net Income	$-2,558,255	$397,102	-7.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NATIONAL ADVISORS TRUST COMPANY	TRUSTEE	5.00		$0	$70,849	$70,849

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	$1,728,861	$4,287,116	$8,711,375	$-2,558,255
2024	$805,151	$408,049	$11,404,090	$397,102
2023	$508,928	$279,118	$10,507,270	$229,810
2022	$133,397	$286,112	$9,674,435	$-152,715
2021	$862,504	$298,736	$11,036,808	$563,768
2020	$1,109,178	$298,910	$10,473,040	$810,268
2019	$1,026,435	$298,132	$9,662,772	$728,303
2018	$747,614	$292,032	$8,934,469	$455,582

FLINT EMC VEBA TRUST