Auto Club of S Calif Retiree VEBA (EIN 954412242) - 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

1988

Legal Domicile

Principal Officer

Chad Hourigan

Phone

7148851265

Tax Period

2023-01-01 to 2023-12-31

Auto Club of S Calif Retiree VEBA, founded in 1988, is a community nonprofit that reported $4.9M in total revenue in fiscal year 2023. The organization ran a surplus of $1.5M, a strong 31% operating margin.

Mission

The Trust provides medical and dental benefits to retired employees of Automobile Club of So Cali and its wholly owned subsidiaries 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,310,067

Investment Income $1,161,738

Other Revenue $2,474,195

TOTAL REVENUE $4,946,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $3,415,805

Other Expenses $126,106

TOTAL EXPENSES $3,415,805

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,946,000	$-3,470,041	-2.4%
Expenses	$3,415,805	$4,669,469	-0.3%
Net Income	$1,530,195	$-8,139,510	-1.2%

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

N/A

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
N/A	Trustee & Custodian	10.00		$7,000	$0	$7,000

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	No data	No data	No data	No data
2023	$4,946,000	$3,415,805	$53,039,276	$1,530,195
2022	$-3,470,041	$4,669,469	$51,509,081	$-8,139,510
2021	$3,141,110	$4,251,657	$59,648,591	$-1,110,547
2020	$4,210,907	$4,950,762	$60,759,138	$-739,855
2019	$6,117,006	$4,305,698	$61,498,993	$1,811,308
2018	$2,394,765	$4,266,057	$59,687,685	$-1,871,292

Auto Club of S Calif Retiree VEBA