THE RETIRED ENLISTED ASSOCIATION (EIN 840537947) - 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

1963

Legal Domicile

Principal Officer

DEBBIE OSBORNE

Phone

3037520660

Tax Period

2024-01-01 to 2024-12-31

THE RETIRED ENLISTED ASSOCIATION, founded in 1963, is a small nonprofit that reported $525K in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. Expenses of $1.6M exceeded revenue, resulting in a 204% operating deficit.

Mission

TO ENHANCE THE QUALITY OF LIFE FOR UNIFORMED SERVICES ENLISTED PERSONNEL, THEIR FAMILIES AND SURVIVORS; INCLUDING ACTIVE DUTY, VETERANS, RESERVES, NATIONAL GUARD, AND ALL RETIREES; TO STOP THE EROSION OF EARNED BENEFITS THROUGH OUR LEGISLATIVE EFFORTS; TO MAINTAIN OUR ESPIRIT DE CORPS, DEDICATION AND PATRIOTISM; AND TO CONTINUE OUR DEVOTION AND ALLEGIANCE TO GOD AND COUNTRY.

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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 $259,022

Program Service Revenue $170,811

Investment Income $88,147

Other Revenue $6,751

TOTAL REVENUE $524,731

Expense Breakdown

Grants Paid $988,066

Salaries & Benefits $255,671

Fundraising Expenses $131,556

Program Expenses $1,348,875

Other Expenses $353,760

TOTAL EXPENSES $1,597,497

Year-over-Year Comparison

	2024	2023	Change
Revenue	$524,731	$643,997	-0.2%
Expenses	$1,597,497	$701,707	+1.3%
Net Income	$-1,072,766	$-57,710	+17.6%

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

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

$144,255

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBIE OSBORNE	OPERATIONS D	40.00	Officer	$136,312	$7,943	$144,255
JUSTIN JUMP	PRESIDENT	10.00	Officer Director	$0	$0	$0
DEBORAH OELSCHIG	PRESIDENT	10.00	Officer Director	$0	$0	$0
WALT COLEY	1ST VICE PRE	3.00	Officer Director	$0	$0	$0
DOUG OSBORNE	2ND VICE PRE	3.00	Officer Director	$0	$0	$0
GARRY TURKS	3RD VICE PRE	3.00	Officer Director	$0	$0	$0
KYLE CARPENTER	TREASURER	3.00	Officer Director	$0	$0	$0
BUTCH LIEBAERT	DIRECTOR	3.00	Director	$0	$0	$0
RON BUATTE	DIRECTOR	3.00	Director	$0	$0	$0
TANYA TABACHECK	DIRECTOR	3.00	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	$524,731	$1,597,497	$2,440,592	$-1,072,766
2023	$643,997	$701,707	$3,363,472	$-57,710
2022	$495,802	$693,939	$3,137,273	$-198,137
2022	$495,802	$693,939	$3,137,273	$-198,137
2021	$787,674	$783,071	$3,860,050	$4,603
2020	$606,814	$839,989	$3,569,614	$-233,175
2019	$969,768	$927,460	$3,493,014	$42,308
2018	$2,189,913	$1,160,817	$3,121,600	$1,029,096

THE RETIRED ENLISTED ASSOCIATION