USAA Employee Benefit Association Medical Active Lives Trust (EIN 742678285) - 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

1993

Legal Domicile

Principal Officer

ASA WATERMAN

Phone

8005318722

Tax Period

2023-01-01 to 2023-12-31

USAA Employee Benefit Association Medical Active Lives Trust, founded in 1993, is a mid-sized nonprofit that reported $19.5M in total revenue in fiscal year 2023. Expenses of $18.7M left a modest 4% surplus.

Mission

THE PURPOSE OF THE TRUST IS TO PROVIDE ITS MEMBERS WITH MEDICAL AND OTHER HEALTH BENEFITS.

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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 $19,448,630

Investment Income $23,367

Other Revenue $0

TOTAL REVENUE $19,471,997

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $18,681,692

Year-over-Year Comparison

	2023	2022	Change
Revenue	$19,471,997	$18,658,854	+0.0%
Expenses	$18,681,692	$17,435,793	+0.1%
Net Income	$790,305	$1,223,061	-0.4%

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

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	Role	Reportable Comp	Other Comp	Total
ASA WATERMAN	Board Chair, AVP Benefits	Officer Director	$0	$0	$0
MELISSA JACKSON	Vice Chair, AVP Treasury	Officer Director	$0	$0	$0
SHAWN LOFTUS	SVP, LIFE ACTUARY	Director	$0	$0	$0
JAMES SUTTON	AVP, FINANCIAL CENTERS AND ATM	Director	$0	$0	$0
Kathleen Ores Walsh	VP, ACTUARY - P&P ANALYSTICS	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	No data	No data	No data	No data
2023	$19,471,997	$18,681,692	$3,555,451	$790,305
2022	$18,658,854	$17,435,793	$2,765,145	$1,223,061
2021	$18,530,439	$19,223,676	$1,542,084	$-693,237
2020	$21,277,133	$20,543,490	$2,235,321	$733,643

USAA Employee Benefit Association Medical Active Lives Trust