CONSOLIDATED ASSOCIATIONS OF RAILR… - Form 990 Financial Data

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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

1996

Legal Domicile

Principal Officer

SHELLY CUMBY

Phone

2547731330

Tax Period

2024-01-01 to 2024-12-31

CONSOLIDATED ASSOCIATIONS OF RAILROAD EMPLOYEES HEALTH CARE TRUST, founded in 1996, is a community nonprofit that reported $7.4M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $6.5M left a modest 11% surplus.

Mission

THE CONSOLIDATED ASSOCIATIONS OF RAILROAD EMPLOYEES, (CARE), PROVIDES HEALTH PLANS FOR EMPLOYEES AND FORMER EMPLOYEES OF THE BURLINGTON NORTHERN SANTA FE RAILROAD (BNSF). THE HEALTH PLANS INCLUDE MEDICARE AND SUPPLEMENTAL COVERAGE.

Program Service Accomplishments

Program 1

INPATIENT AND OUTPATIENT HEALTHCARE

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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 $6,007,083

Investment Income $1,291,205

Other Revenue $53,657

TOTAL REVENUE $7,351,945

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,005,380

Fundraising Expenses $0

Other Expenses $620,985

TOTAL EXPENSES $6,529,494

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,351,945	$6,428,478	+0.1%
Expenses	$6,529,494	$6,447,814	+0.0%
Net Income	$822,451	$-19,336	-43.5%

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

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

$382,641

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MAC FLEMING	DIRECTOR	1.00	Director	$0	$0	$0
GARY MARQUART	DIRECTOR	1.00	Director	$0	$0	$0
PW TIBBIT	DIRECTOR	1.00	Director	$0	$0	$0
SHELLY CUMBY	PRESIDENT/CEO	40.00	Officer	$175,095	$0	$175,095
BERENICE HENSLEY	SECRETARY	40.00	Officer	$71,067	$0	$71,067
TRACY ROSS	TREASURER	40.00	Officer	$136,479	$0	$136,479

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	$7,351,945	$6,529,494	$20,830,906	$822,451
2023	$6,428,478	$6,447,814	$19,570,933	$-19,336
2022	$6,132,543	$6,697,976	$19,711,189	$-565,433
2021	$8,231,300	$6,505,534	$22,339,568	$1,725,766
2020	$8,988,818	$7,677,365	$20,588,575	$1,311,453
2019	$9,805,800	$10,056,537	$18,986,397	$-250,737
2018	$10,635,986	$10,732,203	$17,710,958	$-96,217

CONSOLIDATED ASSOCIATIONS OF RAILROAD EMPLOYEES HEALTH CARE TRUST