JOINT BENEFIT TRUST (EIN 946284253) - 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

1972

Legal Domicile

Principal Officer

STACEY CUE

Phone

9258837300

Tax Period

2024-05-01 to 2025-04-30

JOINT BENEFIT TRUST, founded in 1972, is a mid-sized nonprofit that reported $45.3M in total revenue in fiscal year 2024.

Mission

PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE PARTICIPANTS.

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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 $43,507,584

Investment Income $1,783,254

Other Revenue $57,441

TOTAL REVENUE $45,348,279

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,031,935

TOTAL EXPENSES $45,533,294

Year-over-Year Comparison

	2024	2023	Change
Revenue	$45,348,279	$47,151,511	0.0%
Expenses	$45,533,294	$50,882,859	-0.1%
Net Income	$-185,015	$-3,731,348	-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

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
ASHLEY ALVARADO	CHAIRMAN	3.0	Officer Director	$0	$0	$0
STACEY CUE	CO-CHAIR	3.0	Officer Director	$0	$0	$0
LUIS DIAZ	TRUSTEE	2.5	Director	$0	$0	$0
PETER FINN	TRUSTEE	2.5	Director	$0	$0	$0
JP BRADLEY	TRUSTEE	2.5	Director	$0	$0	$0
JOTI AULAK	TRUSTEE	2.5	Director	$0	$0	$0
ADAM SROUFE	TRUSTEE	2.5	Director	$0	$0	$0
VERONICA DIAZ	TRUSTEE	2.5	Director	$0	$0	$0
SEE SCH O FOR COMPENSATION	PAID BY RELATED ORGANIZATIONS	0.0	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	$45,348,279	$45,533,294	$60,932,056	$-185,015
2024	$47,151,511	$50,882,859	$59,173,548	$-3,731,348
2023	$47,391,593	$43,815,974	$58,700,650	$3,575,619
2022	$62,000,712	$49,055,323	$57,691,300	$12,945,389
2021	$54,575,211	$54,071,086	$49,851,137	$504,125
2020	$51,789,927	$44,661,845	$41,768,062	$7,128,082
2019	$51,352,005	$53,515,306	$39,008,879	$-2,163,301
2018	$54,647,550	$49,997,980	$41,056,171	$4,649,570

JOINT BENEFIT TRUST