MONTEBELLO TEACHERS ASSOCIATION SUPPLEMENTAL HEALTH PLAN (EIN 954134329) - 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

1987

Legal Domicile

Principal Officer

DAVID NAVAR

Phone

8008867559

Tax Period

2023-09-01 to 2024-08-31

MONTEBELLO TEACHERS ASSOCIATION SUPPLEMENTAL HEALTH PLAN, founded in 1987, is a community nonprofit that reported $3.6M in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum. Net assets of $18.0M represent 59 months of operating reserves.

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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,860,600

Investment Income $763,162

Other Revenue $0

TOTAL REVENUE $3,623,762

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $251,500

TOTAL EXPENSES $3,977,630

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,623,762	$2,925,721	+0.2%
Expenses	$3,977,630	$4,086,592	0.0%
Net Income	$-353,868	$-1,160,871	-0.7%

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
ANDY SHINN	Union Trustee	5.0	Director	$0	$0	$0
Julian DeLaTorre	Trustee	5.0	Director	$0	$0	$0
David Navar	Chairperson	5.0	Director	$0	$0	$0
Doug Patzkowski	Non-voting Trustee	5.0	Director	$0	$0	$0
Elizabeth Gasca	Union Trustee	5.0	Director	$0	$0	$0
ROSHAN SHAH	Union Trustee	5.0	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
2024	$3,623,762	$3,977,630	$17,951,626	$-353,868
2023	$2,925,721	$4,086,592	$17,215,046	$-1,160,871
2022	$3,088,775	$3,804,478	$18,203,928	$-715,703
2021	$3,492,158	$4,026,866	$21,889,268	$-534,708
2020	$3,239,723	$3,828,867	$21,077,619	$-589,144
2019	$3,261,143	$3,863,580	$20,350,298	$-602,437
2018	$5,499,491	$3,482,104	$20,337,000	$2,017,387

MONTEBELLO TEACHERS ASSOCIATION SUPPLEMENTAL HEALTH PLAN