Billings Clinic Employee Benefit Trust (EIN 810391600) - 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

1980

Legal Domicile

Phone

4066574130

Tax Period

2023-01-01 to 2023-12-31

Billings Clinic Employee Benefit Trust, founded in 1980, is a mid-sized nonprofit that reported $47.0M in total revenue in fiscal year 2023.

Mission

PROVIDES HEALTH BENEFITS AND INSURANCE COVERING ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS OF THE BILLINGS CLINIC.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $46,650,545

Investment Income $324,542

Other Revenue $0

TOTAL REVENUE $46,975,087

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,548,524

TOTAL EXPENSES $49,458,528

Year-over-Year Comparison

	2023	2022	Change
Revenue	$46,975,087	$46,942,153	+0.0%
Expenses	$49,458,528	$44,085,581	+0.1%
Net Income	$-2,483,441	$2,856,572	-1.9%

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

$3,629,553

Total Directors

$3,629,553

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	CEO BILLINGS CLINIC / BOARD MEMBER	1.0	Officer Director	$0	$132,500	$962,792
N/A	CHIEF LEGAL OFFICER / BOARD MEMBER	1.0	Officer Director	$0	$105,016	$667,939
N/A	CO-CMO BILLINGS CLINIC / BOARD MEMBER	1.0	Officer Director	$0	$60,941	$602,293
N/A	CFO BILLINGS CLINIC / BOARD MEMBER	1.0	Officer Director	$0	$102,141	$550,732
N/A	CPO BILLINGS CLINIC / BOARD MEMBER	1.0	Officer Director	$0	$6,865	$311,602
N/A	CO-CMO BILLINGS CLINIC / BOARD MEMBER	1.0	Officer Director	$0	$57,849	$534,195
N/A	INSTITUTIONAL TRUSTEE	0.1		$34,533	$0	$34,533

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
2024	No data	No data	No data	No data
2023	$46,975,087	$49,458,528	$23,057,136	$-2,483,441
2022	$46,942,153	$44,085,581	$24,067,325	$2,856,572
2021	$46,458,176	$43,192,961	$23,119,381	$3,265,215
2020	$40,485,702	$40,740,214	$20,239,277	$-254,512
2019	$39,591,536	$39,262,779	$19,861,619	$328,757
2018	$38,029,787	$37,328,051	$18,936,414	$701,736
2016	$35,942,078	$33,798,024	$18,462,085	$2,144,054

Billings Clinic Employee Benefit Trust