BITUMINOUS COAL OPERATORS' ASSOCIATION INC RETIREE WELFARE BENEFIT TRUST (EIN 753101353) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

Principal Officer

LINDA W PATRICK

Phone

2027833195

Tax Period

2019-01-01 to 2019-12-31

BITUMINOUS COAL OPERATORS' ASSOCIATION INC RETIREE WELFARE BENEFIT TRUST, founded in 2002, is a micro nonprofit that reported $83K in total revenue in fiscal year 2019. Revenue fell 37% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $49K, a strong 59% operating margin.

Mission

TO PROVIDE HEALTH CARE BENEFITS FOR RETIRED EMPLOYEES OF THE BITUMINOUS COAL OPERATORS' ASSOCIATION.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $83,058

Other Revenue $0

TOTAL REVENUE $83,058

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $6,792

TOTAL EXPENSES $34,238

Year-over-Year Comparison

	2019	2018	Change
Revenue	$83,058	$132,778	-0.4%
Expenses	$34,238	$33,904	+0.0%
Net Income	$48,820	$98,874	-0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$594,212

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT D MOORE	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN M MURRAY	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERT E MURRAY	CHAIRMAN	1.00	Officer Director	$0	$0	$0
PAUL B PICCOLINI	SECRETARY-TREASURER	1.00	Officer Director	$0	$0	$0
LINDA W PATRICK	ASST. SEC-TREASURER & ADMIN	1.00	Officer	$0	$34,463	$167,134
MICHAEL MCKOWN	PRESIDENT	1.00	Officer	$0	$34,064	$427,078

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
2019	$83,058	$34,238	$1,990,182	$48,820
2018	$132,778	$33,904	$1,704,522	$98,874

BITUMINOUS COAL OPERATORS' ASSOCIATION INC RETIREE WELFARE BENEFIT TRUST