RETA TRUST (EIN 942329720) - 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

1976

Legal Domicile

Principal Officer

KATHRYNE M MCGOWAN

Phone

4155364021

Tax Period

2022-07-01 to 2023-06-30

RETA TRUST, founded in 1976, is a major nonprofit that reported $318.7M in total revenue in fiscal year 2022. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

THE RETA TRUST WAS FORMED UNDER A RELIGIOUS TRUST AGREEMENT ENTERED INTO BY TWO ROMAN CATHOLIC ARCHDIOCESES, SEVERAL DIOCESES AND SEVERAL RELIGIOUS ORDERS OF THE ROMAN CATHOLIC CHURCH AS A MEANS WHEREIN TO PROVIDE COST EFFECTIVE MEDICAL BENEFITS TO CLERGY, MEN & WOMEN RELIGIOUS, AND THEIR LAY EMPLOYEES AND THEIR DEPENDENTS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $294,916,863

Investment Income $1,531,373

Other Revenue $22,223,115

TOTAL REVENUE $318,671,351

Expense Breakdown

Grants Paid $0

Salaries & Benefits $982,494

Fundraising Expenses $0

Other Expenses $24,997,011

TOTAL EXPENSES $315,147,627

Year-over-Year Comparison

	2022	2021	Change
Revenue	$318,671,351	$276,637,833	+0.2%
Expenses	$315,147,627	$288,908,994	+0.1%
Net Income	$3,523,724	$-12,271,161	-1.3%

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

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

$620,059

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOM SCHADLE	TRUSTEE/CHAIR OF THE BOARD	1.50	Director	$0	$0	$0
JOANNE WILLHITE	TRUSTEE	1.00	Director	$0	$0	$0
JOE PASSARELLO	TRUSTEE	1.00	Director	$0	$0	$0
DEACON ARUNA SILVA	TRUSTEE	1.50	Director	$0	$0	$0
PAUL BONGIOVANNI	TRUSTEE	1.00	Director	$0	$0	$0
TOM MCNAMARA	TRUSTEE	1.00	Director	$0	$0	$0
CHARLES LAWRENCE	TRUSTEE	1.00	Director	$0	$0	$0
DEACON JOE OBERTING	TRUSTEE	1.00	Director	$0	$0	$0
LAURA HUBER	TRUSTEE	1.00	Director	$0	$0	$0
STEVE PELLIGRINI	TRUSTEE	1.00	Director	$0	$0	$0
LIZ ALLEN	TRUSTEE	1.00	Director	$0	$0	$0
TONY MARTINEZ	TRUSTEE	1.00	Director	$0	$0	$0
KATHRYNE MCGOWAN	CEO	40.00	Officer	$325,500	$60,842	$386,342
ROBERT BURNETT	CHIEF BUSINESS DEVELOPMENT OFFICER	40.00	Officer	$206,250	$27,467	$233,717

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$318,671,351	$315,147,627	$90,457,092	$3,523,724
2022	$276,637,833	$288,908,994	$85,515,612	$-12,271,161
2021	$265,943,772	$274,066,216	$111,698,157	$-8,122,444
2020	$252,914,734	$252,727,595	$116,984,744	$187,139
2019	$279,363,604	$261,689,073	$102,913,524	$17,674,531
2018	$250,723,443	$247,802,748	$84,709,238	$2,920,695

RETA TRUST