Fontana Police Officers Association Retiree Medical Trust (EIN 806116047) - 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

Jose Morales

Phone

8008728979

Tax Period

2024-07-01 to 2025-06-30

Fontana Police Officers Association Retiree Medical Trust, founded in 2009, is a community nonprofit in the Mutual Benefit sector that reported $1.6M in total revenue in fiscal year 2024. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.4M, a strong 85% operating margin.

Mission

To provide qualified health and welfare benefits pursuant to various collectively bargained memoranda of understandings and applicable successor agreements.

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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 $1,032,538

Investment Income $596,022

Other Revenue $0

TOTAL REVENUE $1,628,560

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $145,354

TOTAL EXPENSES $237,331

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,628,560	$1,281,275	+0.3%
Expenses	$237,331	$250,291	-0.1%
Net Income	$1,391,229	$1,030,984	+0.3%

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
Jose Morales	Chairman	0.50	Officer Director	$0	$0	$0
Luis Valenzuela	Secretary	0.50	Officer Director	$0	$0	$0
Heidi Kouroubacalis	Trustee	0.50	Director	$0	$0	$0
Neil Bachman	Trustee	0.50	Director	$0	$0	$0
Christopher Romo	Trustee	0.50	Director	$0	$0	$0
Nathan Weiske	Trustee	0.50	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	$1,628,560	$237,331	$15,131,185	$1,391,229
2024	$1,281,275	$250,291	$12,917,382	$1,030,984
2023	$1,407,517	$166,144	$11,023,019	$1,241,373
2022	$1,083,262	$156,690	$9,392,528	$926,572
2021	$1,227,430	$149,748	$10,087,169	$1,077,682
2020	$1,032,202	$88,219	$7,190,635	$943,983
2019	$997,262	$83,402	$6,376,688	$913,860

Fontana Police Officers Association Retiree Medical Trust