Farm Credit Benefits Alliance Employee Welfare Benefit Trust (EIN 766094055) - 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

1994

Legal Domicile

Principal Officer

Sylvia Scott

Phone

8037995000

Tax Period

2023-01-01 to 2023-12-31

Farm Credit Benefits Alliance Employee Welfare Benefit Trust, founded in 1994, is a mid-sized nonprofit in the Mutual Benefit sector that reported $73.4M in total revenue in fiscal year 2023. Revenue grew 20% year-over-year, indicating healthy expansion.

Mission

THE PROVISION OF LIFE, SICK, HEALTH, DENTAL, ACCIDENT OR SIMILAR BENEFITS TO ELIGIBLE EMPLOYEES THROUGH A VOLUNTARY EMPLOYEES BENEFICIARY ASSOCIATION.

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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 $66,466,078

Investment Income $156,636

Other Revenue $6,804,458

TOTAL REVENUE $73,427,172

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $73,428,982

Other Expenses $2,995,004

TOTAL EXPENSES $73,678,107

Year-over-Year Comparison

	2023	2022	Change
Revenue	$73,427,172	$61,309,168	+0.2%
Expenses	$73,678,107	$60,478,590	+0.2%
Net Income	$-250,935	$830,578	-1.3%

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

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
Russell Investments	Institutional Trustee	1.0		$1,750	$0	$1,750
Amie Pala	Trustee	1.0	Director	$0	$0	$0
Douglas S Thiessen	Trustee	1.0	Director	$0	$0	$0
Brian E Rosati	Trustee	1.0	Director	$0	$0	$0
Stephen Gilbert	Trustee	1.0	Director	$0	$0	$0
Evan Kleinhans	Trustee	1.0	Director	$0	$0	$0
Paxton Poitevint	Trustee	1.0	Director	$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	$73,427,172	$73,678,107	$6,671,341	$-250,935
2022	$61,309,168	$60,478,590	$5,304,479	$830,578
2021	$61,353,795	$61,601,768	$4,814,178	$-247,973
2020	$55,621,562	$55,049,047	$4,235,580	$572,515
2019	$52,255,524	$53,025,520	$3,257,329	$-769,996

Farm Credit Benefits Alliance Employee Welfare Benefit Trust