CENTRAL VALLEY RETIREE MEDICAL TRUST (EIN 816101173) - 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

2002

Legal Domicile

Principal Officer

MATT PETTUS

Phone

5624635000

Tax Period

2024-01-01 to 2024-12-31

CENTRAL VALLEY RETIREE MEDICAL TRUST, founded in 2002, is a community nonprofit in the Mutual Benefit sector that reported $3.2M in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.4M, a strong 74% operating margin.

Mission

THE TRUST PROVIDES FOR REIMBURSEMENTS TO RETIRED BENEFICIARIES OF HEALTH INSURANCE PREMIUMS AND EXPENSES PAID BY THE BENEFICIARY.

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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 $2,371,914

Investment Income $790,778

Other Revenue $0

TOTAL REVENUE $3,162,692

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $347,594

TOTAL EXPENSES $810,389

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,162,692	$2,448,418	+0.3%
Expenses	$810,389	$848,910	0.0%
Net Income	$2,352,303	$1,599,508	+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

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
MATT PETTUS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JUAN ALANIS	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL AVILA	TRUSTEE	1.00	Director	$0	$0	$0
JONATHAN GINGERICH	TRUSTEE	1.00	Director	$0	$0	$0
GERARD HILGART	TRUSTEE	1.00	Director	$0	$0	$0
JESSE MIGUEL	TRUSTEE	1.00	Director	$0	$0	$0
MATTHEW PONCE	TRUSTEE	1.00	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
2024	$3,162,692	$810,389	$24,646,686	$2,352,303
2023	$2,448,418	$848,910	$21,126,190	$1,599,508
2022	$2,490,025	$747,706	$17,406,104	$1,742,319
2021	$4,326,764	$705,168	$19,056,077	$3,621,596
2020	$2,820,155	$730,354	$15,937,139	$2,089,801
2019	$2,016,298	$740,281	$13,034,372	$1,276,017
2018	$2,152,995	$597,060	$10,130,659	$1,555,935

CENTRAL VALLEY RETIREE MEDICAL TRUST