Trust for Naperville Professional Firefighers Local 4302 PEHP (EIN 902373106) - 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

Paula Miller

Phone

6144358378

Tax Period

2025-01-01 to 2025-12-31

Trust for Naperville Professional Firefighers Local 4302 PEHP, founded in 2022, is a small nonprofit in the Mutual Benefit sector that reported $512K in total revenue in fiscal year 2025. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $86K, a strong 17% operating margin.

Mission

The mission of the Trust is to provide a means for public employees of state and/or local governments (& their political subdivisions) to address post employment medical expenses.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $511,672

Investment Income $0

Other Revenue $0

TOTAL REVENUE $511,672

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $425,562

Other Expenses $18,144

TOTAL EXPENSES $425,562

Year-over-Year Comparison

	2025	2024	Change
Revenue	$511,672	$393,508	+0.3%
Expenses	$425,562	$418,491	+0.0%
Net Income	$86,110	$-24,983	-4.4%

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

N/A

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	Reportable Comp	Other Comp	Total
Nationwide Trust Company FSB	Trustee	$0	$0	$0
Paula Miller	Chief Trust Officer	$0	$0	$0
Holly Jerig	Trust 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	$511,672	$425,562	$9,709,259	$86,110
2024	No data	No data	No data	No data
2023	$608,031	$437,210	$7,391,831	$170,821
2022	$39,077	$36,464	$6,237,292	$2,613

Trust for Naperville Professional Firefighers Local 4302 PEHP