STATE OF MONTANA VEBA HEALTH BENEFIT TRUST (EIN 710900343) - 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

AMY JENKS

Phone

4064443745

Tax Period

2024-01-01 to 2024-12-31

STATE OF MONTANA VEBA HEALTH BENEFIT TRUST, founded in 2003, is a community nonprofit in the Mutual Benefit sector that reported $4.0M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.1M, a strong 26% operating margin.

Mission

TO PROVIDE QUALIFIED HEALTH AND WELFARE BENEFITS THROUGH A HEALTH REIMBURSEMENT ARRANGEMENT (HRA).

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,088,329

Investment Income $903,983

Other Revenue $0

TOTAL REVENUE $3,992,312

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $199,113

TOTAL EXPENSES $2,941,717

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,992,312	$3,369,124	+0.2%
Expenses	$2,941,717	$2,980,616	0.0%
Net Income	$1,050,595	$388,508	+1.7%

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

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
MELANIE DENNING	TRUSTEE	2.00	Director	$0	$0	$0
AMY JENKS	TRUSTEE	2.00	Director	$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	$3,992,312	$2,941,717	$19,994,858	$1,050,595
2023	$3,369,124	$2,980,616	$17,733,685	$388,508
2022	$4,395,476	$3,315,165	$15,860,797	$1,080,311
2021	$6,326,929	$3,336,065	$17,102,634	$2,990,864
2020	$4,010,545	$3,179,438	$14,182,717	$831,107
2019	$4,461,671	$3,047,924	$12,591,222	$1,413,747
2018	$3,662,801	$3,119,202	$10,213,552	$543,599
2018	$3,701,167	$3,157,568	$10,213,552	$543,599

STATE OF MONTANA VEBA HEALTH BENEFIT TRUST