California's Valued Trust (EIN 776009955) - 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

1984

Legal Domicile

Principal Officer

Valerie Cornuelle

Phone

5594372960

Tax Period

2024-10-01 to 2025-09-30

California's Valued Trust, founded in 1984, is a major nonprofit that reported $917.1M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS FOR ELIGIBLE EMPLOYEES, RETIREES AND THEIR DEPENDENTS.

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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 $904,763,531

Investment Income $11,851,569

Other Revenue $515,636

TOTAL REVENUE $917,130,736

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,059,344

Fundraising Expenses $0

Other Expenses $38,199,651

TOTAL EXPENSES $961,368,515

Year-over-Year Comparison

	2024	2023	Change
Revenue	$917,130,736	$846,775,532	+0.1%
Expenses	$961,368,515	$898,191,185	+0.1%
Net Income	$-44,237,779	$-51,415,653	-0.1%

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

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

$571,762

Total Directors

$1,558

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VALERIE CORNUELLE	EXECUTIVE DIRECTOR	40.0	Officer	$288,959	$44,284	$333,243
ROBERT POWERS	DIR. OF FINANCIAL SERVICES	40.0	Officer	$200,844	$37,675	$238,519
JEFF CORNELIUS	DIR. OF STRATEGIC INITIATIVES	40.0	Highest	$164,875	$34,978	$199,853
TIERNEY O'BRIEN	DIR. OF MARKETING & BUS DEV	40.0	Highest	$158,173	$34,475	$192,648
BROOK PAULSEN	IT MANAGER	40.0	Highest	$149,175	$33,800	$182,975
BRETT CARGLE	SR SYSTEMS SECURITY ANALYST	40.0	Highest	$133,008	$32,588	$165,596
CHAD WOSKOSKI	BUSINESS ANALYST	40.0	Highest	$133,008	$32,588	$165,596
CHAD WOOD	TRUSTEE, FORMER	4.0	Director	$187	$0	$187
JENNIFER PASSAGLIA	TRUSTEE	4.0	Director	$187	$0	$187
ELAINE CASH	TRUSTEE	4.0	Director	$187	$0	$187
NANCY SMITH	TRUSTEE	4.0	Director	$187	$0	$187
DEBRA COLE	TRUSTEE	4.0	Director	$187	$0	$187
ANTHONY PARREIRA	TRUSTEE	4.0	Director	$187	$0	$187
KEITH PACE	TRUSTEE	4.0	Director	$187	$0	$187
MARNI HARMON	TRUSTEE, FORMER	4.0	Director	$140	$0	$140
JOHN PESTORICH	TRUSTEE, FORMER	4.0	Director	$109	$0	$109
DARYL HEMENWAY	TRUSTEE	4.0	Director	$0	$0	$0
KEN JOHNSON	TRUSTEE	4.0	Director	$0	$0	$0
HALIMAH MEKKI	TRUSTEE	4.0	Director	$0	$0	$0
JOE AIELLO	TRUSTEE	4.0	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
2025	$917,130,736	$961,368,515	$196,659,654	$-44,237,779
2024	$846,775,532	$898,191,185	$236,142,276	$-51,415,653
2023	$807,561,352	$817,257,825	$254,768,905	$-9,696,473
2022	$775,584,606	$753,539,698	$240,185,223	$22,044,908
2021	$831,896,361	$825,113,435	$240,041,607	$6,782,926
2020	$805,304,048	$754,880,529	$207,508,043	$50,423,519
2019	$831,031,329	$817,725,860	$161,910,543	$13,305,469
2018	$825,409,131	$828,662,858	$157,635,073	$-3,253,727
2018	$825,409,131	$828,662,858	$157,635,073	$-3,253,727

California's Valued Trust