UNIVERSITY OF CALIFORNIA LIVERMORE RETIREES HEALTH INSURANCE TRUST (EIN 876429468) - 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

2020

Legal Domicile

Principal Officer

DAVID WILLIAMS

Phone

4122012242

Tax Period

2024-01-01 to 2024-12-31

UNIVERSITY OF CALIFORNIA LIVERMORE RETIREES HEALTH INSURANCE TRUST, founded in 2020, is a mid-sized nonprofit that reported $13.2M in total revenue in fiscal year 2024. Revenue surged 66% from the prior year, signaling strong growth momentum. The organization ran a surplus of $10.3M, a strong 78% operating margin.

Mission

THE TRUST HOLDS FUNDS USED TO PAY UNREIMBURSED HEALTH EXPENSES FOR CERTAIN RETIREES OF LIVERMORE NATIONAL LABORATORY AND THEIR ELIGIBLE SPOUSES AND DEPENDENTS.

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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 $11,500,000

Investment Income $1,652,576

Other Revenue $0

TOTAL REVENUE $13,152,576

Expense Breakdown

Grants Paid $0

Salaries & Benefits $366,783

Fundraising Expenses $0

Other Expenses $26,946

TOTAL EXPENSES $2,866,750

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,152,576	$7,938,721	+0.7%
Expenses	$2,866,750	$2,667,926	+0.1%
Net Income	$10,285,826	$5,270,795	+1.0%

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
ARGENT TRUST COMPANY	TRUSTEE	35.0		$366,783	$0	$366,783

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	$13,152,576	$2,866,750	$37,790,360	$10,285,826
2023	$7,938,721	$2,667,926	$26,895,117	$5,270,795
2022	$15,295,225	$2,307,878	$19,882,874	$12,987,347
2021	$8,585,626	$655,616	$7,845,401	$7,930,010

UNIVERSITY OF CALIFORNIA LIVERMORE RETIREES HEALTH INSURANCE TRUST