KAISER-FRANCIS OIL COMPANY VOLUNTARY BENEFICIARY HEALTH TRUST (EIN 731248786) - 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

1984

Legal Domicile

Principal Officer

DEREK G OPFER

Phone

9184940000

Tax Period

2023-01-01 to 2023-12-31

KAISER-FRANCIS OIL COMPANY VOLUNTARY BENEFICIARY HEALTH TRUST, founded in 1984, is a community nonprofit that reported $7.7M in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion.

Mission

THE PLAN PROVIDES HEALTH, DISABILITY AND DEATH BENEFITS COVERING SUBSTANTIALLY ALL FULLTIME EMPLOYEES OF THE COMPANY. THE COMPANY IS THE FUNDING VEHICLE FOR HOLDING CONTRIBUTIONS UNTIL BENEFITS ARE PAID.

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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 $7,737,711

Investment Income $0

Other Revenue $0

TOTAL REVENUE $7,737,711

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,692,324

Other Expenses $455,852

TOTAL EXPENSES $7,692,324

Year-over-Year Comparison

	2023	2022	Change
Revenue	$7,737,711	$6,572,313	+0.2%
Expenses	$7,692,324	$6,190,093	+0.2%
Net Income	$45,387	$382,220	-0.9%

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

$491,519

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGE B KAISER	TRUSTEE	0.10	Director	$0	$0	$57,853
DON P MILLICAN	TRUSTEE	0.10	Director	$0	$0	$433,666

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	$7,737,711	$7,692,324	$1,608,270	$45,387
2022	$6,572,313	$6,190,093	$1,497,370	$382,220
2021	$8,088,672	$7,712,504	$1,100,579	$376,168
2020	$8,145,502	$8,533,793	$770,600	$-388,291
2019	$8,151,284	$8,519,162	$1,189,139	$-367,878
2018	$8,146,289	$8,658,558	$1,599,296	$-512,269

KAISER-FRANCIS OIL COMPANY VOLUNTARY BENEFICIARY HEALTH TRUST