UNIVERSITY MEDICAL ASSOCIATES RETIREE BENEFIT TRUST (EIN 806097315) - 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

2008

Legal Domicile

Phone

8438761357

Tax Period

2024-07-01 to 2025-06-30

UNIVERSITY MEDICAL ASSOCIATES RETIREE BENEFIT TRUST, founded in 2008, is a small nonprofit in the Mutual Benefit sector that reported $562K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Expenses of $877K exceeded revenue, resulting in a 56% operating deficit.

Mission

VOLUNTARY EMPLOYEE BENEFICIARY ASSOCIATION TRUST ESTABLISHED TO PROVIDE HEALTH AND DENTAL BENEFITS TO QUALIFIED RETIREES OF UNIVERSITY MEDICAL ASSOCIATES AND ITS AFFILIATES.

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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 $179,469

Investment Income $380,720

Other Revenue $1,721

TOTAL REVENUE $561,910

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $739,951

Other Expenses $22,929

TOTAL EXPENSES $876,582

Year-over-Year Comparison

	2024	2023	Change
Revenue	$561,910	$620,986	-0.1%
Expenses	$876,582	$976,198	-0.1%
Net Income	$-314,672	$-355,212	-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

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
Wells Fargo NA	Trustee	1.0		$22,929	$0	$22,929

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	$561,910	$876,582	$3,808,660	$-314,672
2024	No data	No data	No data	No data
2023	$915,811	$838,640	$4,816,865	$77,171
2022	$702,946	$1,157,688	$3,912,644	$-454,742
2021	$721,972	$841,498	$5,472,890	$-119,526
2020	$473,580	$766,930	$4,849,656	$-293,350
2019	$445,387	$643,835	$5,150,732	$-198,448
2018	$667,857	$560,544	$5,375,025	$107,313

UNIVERSITY MEDICAL ASSOCIATES RETIREE BENEFIT TRUST