American Airlines Inc Supplemental Medical Benefits Trust (CBA) (EIN 756497953) - 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 Supplemental Medical Benefits Trust (CBA), founded in 1990, is a small nonprofit that reported $683K in total revenue in fiscal year 2023. Revenue fell 41% from the prior year — a significant decline worth monitoring. Expenses of $888K exceeded revenue, resulting in a 30% operating deficit.

Mission

SUPPLEMENTAL MEDICAL PLAN THAT PAYS MEDICAL EXPENSE BENEFITS FOR PARTICIPANTS WHO HAVE EXHAUSTED THEIR OTHER SPONSORED MEDICAL 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 $77,229

Investment Income $606,170

Other Revenue $0

TOTAL REVENUE $683,399

Expense Breakdown

Grants Paid $0

Salaries & Benefits $874

Fundraising Expenses $0

Other Expenses $127,621

TOTAL EXPENSES $887,839

Year-over-Year Comparison

	2023	2022	Change
Revenue	$683,399	$1,161,083	-0.4%
Expenses	$887,839	$1,120,961	-0.2%
Net Income	$-204,440	$40,122	-6.1%

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		$874	$0	$874

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	$683,399	$887,839	$22,334,519	$-204,440
2022	$1,161,083	$1,120,961	$22,538,959	$40,122
2021	$2,726,455	$1,492,758	$22,498,837	$1,233,697
2020	$1,949,882	$1,593,645	$21,265,140	$356,237
2019	$2,078,762	$2,243,191	$20,908,903	$-164,429
2018	$2,579,638	$2,432,389	$21,073,332	$147,249

American Airlines Inc Supplemental Medical Benefits Trust (CBA)