NWA - ECH HEALTH PLAN (EIN 886131798) - 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

2022

Legal Domicile

Principal Officer

KIRNJOT SINGH

Phone

2192284355

Tax Period

2024-01-01 to 2024-12-31

NWA - ECH HEALTH PLAN, founded in 2022, is a community nonprofit in the Mutual Benefit sector that reported $9.3M in total revenue in fiscal year 2024. Revenue surged 53% from the prior year, signaling strong growth momentum. Expenses of $8.5M left a modest 8% surplus.

Mission

PROVIDE HEALTH AND WELFARE BENEFITS TO UNION MEMBERS AND THEIR DEPENDENTS PURSUANT TO COLLECTIVE BARGAINING AGREEMENTS

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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 $9,272,110

Investment Income $5,251

Other Revenue $0

TOTAL REVENUE $9,277,361

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,121,950

TOTAL EXPENSES $8,503,813

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,277,361	$6,055,738	+0.5%
Expenses	$8,503,813	$4,548,820	+0.9%
Net Income	$773,548	$1,506,918	-0.5%

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

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
SHERRI DAVIDSON	UNION TRUSTEE	1.00	Officer Director	$0	$0	$0
GINA YORK	UNION TRUSTEE	1.00	Officer Director	$0	$0	$0
KIRNJOT SINGH	EMPLOYER TRUSTEE	1.00	Officer Director	$0	$0	$0
JINA CALO	EMPLOYER TRUSTEE	1.00	Officer 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	$9,277,361	$8,503,813	$3,364,216	$773,548
2023	$6,055,738	$4,548,820	$2,469,037	$1,506,918
2022	$2,022,635	$1,109,186	$1,015,014	$913,449

NWA - ECH HEALTH PLAN