PORAC Retiree Medical Trust (EIN 806049077) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2008

Legal Domicile

Principal Officer

Terry Moore

Phone

8882581912

Tax Period

2024-07-01 to 2025-06-30

PORAC RETIREE MEDICAL TRUST, founded in 2008, is a community nonprofit in the Mutual Benefit sector that reported $7.5M in total revenue in fiscal year 2017. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $6.2M, a strong 83% operating margin.

Mission

TO PROVIDE REIMBURSEMENT FOR INSURANCE PREMIUMS AND MEDICAL EXPENSES IN RETIREMENT

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $22,919,818

Investment Income $6,352,520

Other Revenue $44

TOTAL REVENUE $29,272,382

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,190,562

TOTAL EXPENSES $4,200,917

Year-over-Year Comparison

	2024	2023	Change
Revenue	$29,272,382	$21,270,792	+0.4%
Expenses	$4,200,917	$3,510,046	+0.2%
Net Income	$25,071,465	$17,760,746	+0.4%

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
TERRY A MOORE	CHAIR	1.00	Officer Director	$0	$0	$0
BRIAN DUTTON	Trustee	1.00	Director	$0	$0	$0
STEVEN SAUCEDO	Trustee	1.00	Director	$0	$0	$0
DENNIS HASHIN	Trustee	1.00	Director	$0	$0	$0
Ryan Goodfellow	Trustee	1.00	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	$29,272,382	$4,200,917	$167,754,261	$25,071,465
2024	No data	No data	No data	No data
2023	$16,686,548	$2,930,803	$103,401,243	$13,755,745
2022	$17,521,616	$2,574,999	$84,409,539	$14,946,617
2021	$19,501,023	$1,916,336	$81,171,216	$17,584,687
2020	$9,724,897	$1,593,697	$57,643,945	$8,131,200
2019	$6,424,467	$1,453,963	$48,535,611	$4,970,504
2018	$7,488,988	$1,288,369	$40,990,232	$6,200,619

PORAC Retiree Medical Trust