OPOA Retention Benefit Plan (EIN 943038681) - 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

Legal Domicile

Phone

5108349670

Tax Period

2024-07-01 to 2025-06-30

OPOA Retention Benefit Plan is a small nonprofit that reported $944K in total revenue in fiscal year 2024. Revenue fell 39% from the prior year — a significant decline worth monitoring. Expenses of $1.1M exceeded revenue, resulting in a 14% operating deficit.

Mission

Provide health and other benefits to 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 $578,800

Investment Income $365,182

Other Revenue $0

TOTAL REVENUE $943,982

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,076,334

Other Expenses $186,113

TOTAL EXPENSES $1,076,335

Year-over-Year Comparison

	2024	2023	Change
Revenue	$943,982	$1,548,717	-0.4%
Expenses	$1,076,335	$1,045,309	+0.0%
Net Income	$-132,353	$503,408	-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

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
Bob Nichelini	Chairman	1.00	Officer Director	$0	$0	$0
Burney Matthews	Trustee	1.00	Director	$0	$0	$0
Rudy Villegas	Trustee	1.00	Director	$0	$0	$0
Tim Dolan	Trustee	1.00	Director	$0	$0	$0
Tim DeLa Vega	Trustee	1.00	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
2025	$943,982	$1,076,335	$10,481,255	$-132,353
2024	$1,548,717	$1,045,309	$10,287,748	$503,408
2023	$911,277	$1,038,179	$9,856,064	$-126,902
2022	$1,168,303	$935,857	$9,842,103	$232,446
2021	$1,097,336	$1,084,428	$11,183,223	$12,908
2020	$796,890	$985,212	$9,896,947	$-188,322
2019	$1,240,734	$964,415	$10,138,168	$276,319
2018	$1,047,240	$1,032,008	$9,955,405	$15,232

OPOA Retention Benefit Plan