WCRIBMA - VEBA (EIN 756752444) - 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

2004

Legal Domicile

Principal Officer

DANIEL JUDSON

Phone

6174399030

Tax Period

2023-01-01 to 2023-12-31

WCRIBMA - VEBA, founded in 2004, is a small nonprofit in the Mutual Benefit sector that reported $183K in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Net assets of $7.6M represent 500 months of operating reserves.

Mission

**SEE SCHEDULE O**THE ORGANIZATION IS A VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION THAT RECEIVES AND HOLDS IN TRUST AMOUNTS CONTRIBUTED BY THE EMPLOYER AT ITS DISCRETION, OR BY COVERED INDIVIDUALS IN THE PLAN TO PROVIDE 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 $0

Investment Income $183,269

Other Revenue $0

TOTAL REVENUE $183,269

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $181,622

Year-over-Year Comparison

	2023	2022	Change
Revenue	$183,269	$157,811	+0.2%
Expenses	$181,622	$178,749	+0.0%
Net Income	$1,647	$-20,938	-1.1%

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

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

$1,197,516

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL R JUDSON	TRUSTEE	1.00	Officer	$0	$82,623	$531,680
DANIEL M CROWLEY	TRUSTEE	1.00	Officer	$0	$110,783	$354,810
ERIC WILDMAN	TRUSTEE	1.00	Officer	$0	$81,313	$311,026
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$0	$0	$0
N/A	DIRECTOR	0.00		$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	$183,269	$181,622	$7,632,637	$1,647
2022	$157,811	$178,749	$6,827,463	$-20,938
2021	$152,368	$172,342	$8,284,874	$-19,974
2020	$147,867	$167,965	$7,588,963	$-20,098
2019	$163,593	$158,072	$6,897,972	$5,521
2018	$146,323	No data	$5,905,747	No data

WCRIBMA - VEBA