Western Grocers Employee Benefits Trust (EIN 930792758) - 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

1979

Legal Domicile

Principal Officer

JOE NEY

Phone

5039682817

Tax Period

2024-01-01 to 2024-12-31

Western Grocers Employee Benefits Trust, founded in 1979, is a small nonprofit that reported $176K in total revenue in fiscal year 2024. Revenue fell 41% from the prior year — a significant decline worth monitoring. Net assets of $549K represent 37 months of operating reserves.

Mission

PROVIDING HEALTH AND WELFARE BENEFITS TO ITS MEMBERS AND ASSOCIATE 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 $153,322

Investment Income $22,675

Other Revenue $0

TOTAL REVENUE $175,997

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,000

Fundraising Expenses $0

Other Expenses $150,013

TOTAL EXPENSES $175,995

Year-over-Year Comparison

	2024	2023	Change
Revenue	$175,997	$299,242	-0.4%
Expenses	$175,995	$564,335	-0.7%
Net Income	$2	$-265,093	-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

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

$12,000

Total Directors

$12,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE NEY	Chairman	2.00	Officer Director	$12,000	$0	$12,000
RUDY DORY	Secretary	2.00	Officer Director	$0	$0	$0
SHELLEY PAUL	Trustee	2.00	Director	$0	$0	$0
MARK WARD	Trustee	2.00	Director	$0	$0	$0
TOMMY SMITH	Trustee	2.00	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
2024	$175,997	$175,995	$597,565	$2
2023	$299,242	$564,335	$587,122	$-265,093
2022	$267,569	$525,958	$857,032	$-258,389
2021	$316,032	$634,510	$1,103,633	$-318,478
2020	$4,810,029	$4,024,977	$1,404,717	$785,052
2019	$24,202,475	$26,897,915	$5,541,116	$-2,695,440
2018	$22,495,338	$22,699,973	$6,543,850	$-204,635

Western Grocers Employee Benefits Trust