UNITED AIRLINES PILOT RETIREE HEALTH ACCOUNT PLAN (EIN 900166428) - 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

2013

Legal Domicile

Principal Officer

RICHARD MAYES

Phone

3129978000

Tax Period

2024-01-01 to 2024-12-31

UNITED AIRLINES PILOT RETIREE HEALTH ACCOUNT PLAN, founded in 2013, is a major nonprofit in the Mutual Benefit sector that reported $191.2M in total revenue in fiscal year 2024. Revenue fell 35% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $126.4M, a strong 66% operating margin.

Mission

PROVIDE WELFARE BENEFITS; REIMBURSEMENTS OF ELIGIBLE MEDICAL EXPENSES INCURRED BY PARTICIPANTS AND/OR THEIR BENEFICIARIES.

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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 $192,100,635

Investment Income $-859,702

Other Revenue $0

TOTAL REVENUE $191,240,933

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $64,839,307

Other Expenses $40,158

TOTAL EXPENSES $64,879,465

Year-over-Year Comparison

	2024	2023	Change
Revenue	$191,240,933	$296,071,385	-0.4%
Expenses	$64,879,465	$190,359,320	-0.7%
Net Income	$126,361,468	$105,712,065	+0.2%

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
N/A	CUSTODIAL TRUSTEE	0.00		$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	$191,240,933	$64,879,465	$953,002,768	$126,361,468
2023	$296,071,385	$190,359,320	$767,227,383	$105,712,065
2022	$200,911,116	$133,781,252	$621,757,461	$67,129,864
2021	$106,440,207	$16,609,008	$648,891,059	$89,831,199
2020	$89,395,121	$8,703,259	$546,566,458	$80,691,862
2019	$106,227,650	$6,709,636	$429,079,382	$99,518,014
2018	$88,847,838	$4,591,632	$293,151,127	$84,256,206

UNITED AIRLINES PILOT RETIREE HEALTH ACCOUNT PLAN