Medical Expense Reimbursement Plan of the Riverside POA Retiree Health Trust (EIN 806105993) - 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

2009

Legal Domicile

Principal Officer

PHIL FERNANDEZ

Phone

9517841034

Tax Period

2020-01-01 to 2020-12-31

Medical Expense Reimbursement Plan of the Riverside POA Retiree Health Trust, founded in 2009, is a small nonprofit that reported $821K in total revenue in fiscal year 2020. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $544K, a strong 66% operating margin.

Mission

TO PROVIDE A PORTION OR ALL OF THE PREMIUMS FOR CERTAIN RETIRED MEMBERS OF THE RIVERSIDE POLICE OFFICERS' ASSOCIATION AFTER JULY 1, 2006.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $407,300

Investment Income $386,892

Other Revenue $26,984

TOTAL REVENUE $821,176

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $98,760

TOTAL EXPENSES $277,137

Year-over-Year Comparison

	2020	2019	Change
Revenue	$821,176	$607,409	+0.4%
Expenses	$277,137	$235,975	+0.2%
Net Income	$544,039	$371,434	+0.5%

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

N/A

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
PHIL FERNANDEZ	trustee	1.0	Director	$0	$0	$0
CARLOS FLORES	trustee	1.0	Director	$0	$0	$0
RICK MCDONALD	TRUSTEE	1.0	Director	$0	$0	$0
BRYAN GALBREATH	TRUSTEE	1.0	Director	$0	$0	$0
JESSE CASTRO	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
2020	$821,176	$277,137	$6,224,063	$544,039
2019	$607,409	$235,975	$5,253,601	$371,434
2018	$616,012	$222,406	$4,202,941	$393,606

Medical Expense Reimbursement Plan of the Riverside POA Retiree Health Trust