SAN JUAN COLLEGE RETIREE HEALTH TRUST (EIN 850295969) - 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

Legal Domicile

Principal Officer

EDWARD DESPLAS

Phone

5055663253

Tax Period

2024-07-01 to 2025-06-30

SAN JUAN COLLEGE RETIREE HEALTH TRUST is a community nonprofit in the Mutual Benefit sector that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 44% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 74% operating margin.

Mission

TO PAY ELIGIBLE RETIREES OF SAN JUAN COLLEGE POST EMPLOYMENT MEDICAL,DENTAL, AND VISION INSURANCE PREMIUMS.

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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 $741,796

Investment Income $653,703

Other Revenue $0

TOTAL REVENUE $1,395,499

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $359,335

Other Expenses $359,335

TOTAL EXPENSES $359,335

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,395,499	$966,460	+0.4%
Expenses	$359,335	$340,806	+0.1%
Net Income	$1,036,164	$625,654	+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

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
SJC PLAN ADMINISTRATOR	Trustee	40.00		$0	$0	$0
EDWARD DESPLAS	EXECUTIVE VICE	40.00	Officer	$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
2025	$1,395,499	$359,335	$11,128,905	$1,036,164
2024	No data	No data	No data	No data
2023	$1,028,563	$467,773	$9,467,087	$560,790
2022	$-234,924	$441,804	$8,906,297	$-676,728
2021	$1,389,677	$386,688	$9,583,025	$1,002,989
2020	$1,419,498	$372,502	$8,580,036	$1,046,996
2019	$2,068,945	$418,270	$7,533,040	$1,650,675
2018	$1,627,137	$711,622	$5,882,365	$915,515

SAN JUAN COLLEGE RETIREE HEALTH TRUST