NorthWestern Energy Welfare Benefit Trust (EIN 810495798) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1994

Legal Domicile

Principal Officer

Crystal D Lail

Phone

6059782908

Tax Period

2024-01-01 to 2024-12-31

NorthWestern Energy Master Welfare Benefit Trust, founded in 1994, is a small nonprofit that reported $494K in total revenue in fiscal year 2020. Revenue surged 34% from the prior year, signaling strong growth momentum. Expenses of $1.2M exceeded revenue, resulting in a 148% operating deficit.

Mission

The primary exempt purpose of the Voluntary Employees Beneficiary Association during the year was to service all retired union beneficiaries.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $958,553

Other Revenue $0

TOTAL REVENUE $958,553

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $57,851

TOTAL EXPENSES $754,255

Year-over-Year Comparison

	2024	2023	Change
Revenue	$958,553	$904,526	+0.1%
Expenses	$754,255	$1,115,591	-0.3%
Net Income	$204,298	$-211,065	-2.0%

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
Northern Trust Company	Trustee	0.0		$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
2024	$958,553	$754,255	$24,772,125	$204,298
2023	$904,526	$1,115,591	$22,309,162	$-211,065
2022	$1,092,495	$1,173,379	$20,055,073	$-80,884
2021	$1,724,849	$1,240,911	$25,289,024	$483,938
2020	$493,532	$1,222,987	$23,095,215	$-729,455

NorthWestern Energy Welfare Benefit Trust