Montana Contractors' Association Health Care Trust (EIN 810449239) - 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

1988

Legal Domicile

Principal Officer

Kerry Gray

Phone

4062569910

Tax Period

2024-04-01 to 2025-03-31

Montana Contractors' Association Health Care Trust, founded in 1988, is a mid-sized nonprofit that reported $37.5M in total revenue in fiscal year 2024.

Mission

Provided medical, dental, vision, short-term disability (employee only), life accidental death (Continued from Page 1) and dismemberment benefits to Plan Participants.

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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 $35,387,519

Investment Income $2,076,786

Other Revenue $0

TOTAL REVENUE $37,464,305

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $4,788,474

TOTAL EXPENSES $37,886,286

Year-over-Year Comparison

	2024	2023	Change
Revenue	$37,464,305	$37,667,751	0.0%
Expenses	$37,886,286	$38,945,845	0.0%
Net Income	$-421,981	$-1,278,094	-0.7%

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

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
Hattie Redmon	Chairperson	1.00	Officer Director	$0	$0	$0
Heidi Wadsworth	Treasurer	1.00	Officer Director	$0	$0	$0
Christy Austin	Secretary	1.00	Officer Director	$0	$0	$0
David Anderson	Trustee	1.00	Director	$0	$0	$0
Cory Buford	Trustee (Jan-Current)	1.00	Director	$0	$0	$0
Tracy Golik	Trustee	1.00	Director	$0	$0	$0
Kerry Gray	Trustee	1.00	Director	$0	$0	$0
Karen Rehbein	Trustee	1.00	Director	$0	$0	$0
Mark Sandry	Trustee	1.00	Director	$0	$0	$0
Dave Zinke	Trustee (Jan-Dec)	1.00	Director	$0	$0	$0
Kenneth Crouse	Executive Director	20.00	Highest	$87,500	$60,750	$235,750
Kristine Starr	Healthcare Manager	20.00	Highest	$50,900	$46,000	$147,800
Andrew Tri	Asst Director of Trusts/MCART M	20.00	Highest	$64,000	$47,300	$175,300

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	$37,464,305	$37,886,286	$42,436,550	$-421,981
2024	$37,667,751	$38,945,845	$42,558,310	$-1,278,094
2023	$37,637,065	$37,465,839	$41,318,151	$171,226
2022	$40,627,147	$36,401,095	$43,826,014	$4,226,052
2021	$39,280,005	$35,836,386	$40,637,112	$3,443,619
2020	$41,345,218	$43,714,107	$31,465,980	$-2,368,889
2019	$35,808,161	$38,425,553	$35,148,188	$-2,617,392

Montana Contractors' Association Health Care Trust