TEACHERS HEALTH TRUST (EIN 880195176) - 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

1983

Legal Domicile

Principal Officer

TOM ZUMTOBEL

Phone

7027940272

Tax Period

2024-07-01 to 2025-06-30

TEACHERS HEALTH TRUST, founded in 1983, is a major nonprofit that reported $241.3M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $42.6M, a strong 18% operating margin.

Mission

PROVIDE HEALTH AND WELFARE BENEFITS TO MEMBERS.

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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 $237,678,057

Investment Income $3,576,112

Other Revenue $5,305

TOTAL REVENUE $241,259,474

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,189,219

Fundraising Expenses $0

Other Expenses $8,294,481

TOTAL EXPENSES $198,688,601

Year-over-Year Comparison

	2024	2023	Change
Revenue	$241,259,474	$217,407,966	+0.1%
Expenses	$198,688,601	$192,435,792	+0.0%
Net Income	$42,570,873	$24,972,174	+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

Employees

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

$1,281,785

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOM ZUMTOBEL	CEO	40.00	Officer	$509,115	$101,926	$611,041
RORY WRIGHT	COO	40.00	Officer	$285,628	$61,445	$347,073
ANDREW HELMS	CFO	40.00	Officer	$270,834	$52,837	$323,671
WENDY FRANCO	DIR HEALTHCA	40.00	Highest	$191,760	$44,663	$236,423
JARONIMO WILSON	DIR HEALTHCA	40.00	Highest	$187,969	$42,835	$230,804
PEGGY MELTON	CHAIR	1.00	Officer Director	$0	$0	$0
LAURA RICH	VICE CHAIRPE	1.00	Officer Director	$0	$0	$0
CHRISTINA HOLLOWOOD	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
MAX CARTER II	TRUSTEE	1.00	Director	$0	$0	$0
PATRICK JACOBSON	TRUSTEE	1.00	Director	$0	$0	$0
GLENFORD PARKS	TRUSTEE	1.00	Director	$0	$0	$0
MARIE NEISESS	TRUSTEE- CCE	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
2025	$241,259,474	$198,688,601	$104,400,218	$42,570,873
2024	$217,407,966	$192,435,792	$67,179,883	$24,972,174
2023	$196,624,627	$183,258,064	$68,753,866	$13,366,563
2022	$200,823,564	$214,768,239	$55,325,239	$-13,944,675
2021	$178,689,748	$181,207,956	$83,729,755	$-2,518,208
2020	$169,793,709	$183,452,070	$48,166,444	$-13,658,361
2019	$167,323,242	$189,162,592	$50,574,054	$-21,839,350
2018	$169,728,820	$171,641,994	$69,061,773	$-1,913,174

TEACHERS HEALTH TRUST