St Francis Health Services Employee Medical Plan Trust (EIN 832026712) - 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

2018

Legal Domicile

Principal Officer

Curtis Bach

Phone

3205892004

Tax Period

2023-01-01 to 2023-12-31

St Francis Health Services Employee Medical Plan Trust, founded in 2018, is a community nonprofit that reported $9.9M in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $2.6M, a strong 26% operating margin.

Mission

To provide a source of funds to pay medical benefits.

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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 $9,736,198

Investment Income $159,823

Other Revenue $0

TOTAL REVENUE $9,896,021

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,327,032

Other Expenses $1,238,736

TOTAL EXPENSES $7,327,032

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,896,021	$10,953,162	-0.1%
Expenses	$7,327,032	$10,164,865	-0.3%
Net Income	$2,568,989	$788,297	+2.3%

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

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

$181,167

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mari Chambers	Plan Trustee	004.00	Director	$0	$0	$181,167
Sherry Wagner	Controller 1	004.00	Highest	$0	$0	$136,105
Megan Caspers	Employment Systems Director	004.00	Highest	$0	$0	$106,482

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	$9,896,021	$7,327,032	$4,923,224	$2,568,989
2022	$10,953,162	$10,164,865	$2,727,648	$788,297
2021	$8,783,244	$10,128,889	$1,383,154	$-1,345,645
2020	$8,562,868	$7,250,930	$2,825,258	$1,311,938
2019	$7,922,304	$7,278,934	$1,337,526	$643,370

St Francis Health Services Employee Medical Plan Trust