American Airlines Inc Health Benefits Trust for Union Employees (EIN 752377858) - 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

1990

Legal Domicile

Principal Officer

LEKRESA BROWN

Phone

6822780383

Tax Period

2023-01-01 to 2023-12-31

American Airlines Inc Health Benefits Trust for Union Employees, founded in 1990, is a community nonprofit that reported $3.7M in total revenue in fiscal year 2023. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $14.3M exceeded revenue, resulting in a 288% operating deficit.

Mission

Provide payment of Health Benefits to plan 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 $3,699,617

Other Revenue $0

TOTAL REVENUE $3,699,617

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,511

Fundraising Expenses $0

Other Expenses $966,505

TOTAL EXPENSES $14,346,527

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,699,617	$6,494,787	-0.4%
Expenses	$14,346,527	$16,649,945	-0.1%
Net Income	$-10,646,910	$-10,155,158	+0.0%

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
STATE STREET BANK TRUST CO	TRUSTEE (SEE SCHEDULE O)	0.0		$2,511	$0	$2,511

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	$3,699,617	$14,346,527	$113,810,695	$-10,646,910
2022	$6,494,787	$16,649,945	$124,457,606	$-10,155,158
2021	$18,072,641	$24,426,174	$134,612,764	$-6,353,533
2020	$6,458,380	$27,182,904	$140,966,297	$-20,724,524
2019	$8,217,515	$36,190,710	$161,690,821	$-27,973,195
2018	$13,238,185	$24,343,650	$189,664,016	$-11,105,465

American Airlines Inc Health Benefits Trust for Union Employees