MTA Medical Benefits Trust
Nonprofit profile at a glance
- EIN
- 770178819
- IRS 990 coverage
- 2014–2024
- Forms available
- Form 990 2024
- Location
- Modesto, CA, USA
- Phone
- 2095260191
- Rating
- 86
- Verdict
- STRONG
- Rating confidence
- Moderate
Reported finances
- Revenue
- $1,206,515
- Expenses
- $1,065,499
- Assets
- $12,218,262
- Liabilities
- $0
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
10 people listed
Highest reported compensation
- Chris Peterson (Chairman): $5,520 total reported compensation
- Mike Doornewaard (Treasurer): $5,400 total reported compensation
- Jeff Bakker (Secretary): $5,400 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The Trust provides indirect reimbursement for medical insurance premiums incurred by eligible retirees.
Operating model
- Revenue model
- Donor-supported. 68% of the money available for current operations came from contributions and gifts.
- Distribution model
- Member-benefit provider. The nonprofit used 100% of its reported program spending for member benefits.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and reported officer compensation is a large share of total spending, which may reflect staffing concentration.
Rating breakdown
- Financial Efficiency: 80
- Transparency & Controls: 92
- Accountability: 90
- Sustainability: 75
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 90.2%; rating input score 90
- Program expense ratio: 91.1%; rating input score 91
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 75
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Limited
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 11.7%; rating input score 64; 64th percentile among comparable filings
- Total-asset coverage ratio: 11.47; rating input score 93; 93rd percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 91; 91st percentile among comparable filings
- Officer compensation ratio: 2.9%; rating input score 57; 57th percentile among comparable filings
Growth
- Program expense growth: 8.8% per year; rating input score 100; 59th percentile among comparable filings
- Revenue growth: 7.4% per year; rating input score 100; 56th percentile among comparable filings
- Asset growth: 4% per year; rating input score 100; 34th percentile among comparable filings
Details
- Where the money goes: 90.2% of revenue deployed · 91.1% of spending went to programs
- Governance: 7 of 7 board members independent · 6 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $971K in reported program spending
- Leadership: top reported pay $6K · 10 people listed
- Consistency: 18 of 18 current checks pass
- Schedules: 4 filed schedules · includes major donors
- Filing history: 10 filing years from 2014 to 2024
- Contacts: How to reach this organization
- Money network: 7 filed money-flow records
- Related organizations: 1 filed related-organization link
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: Other executive compensation review process not reported.
- Review — Sustainability: Officer compensation ratio scored 57/100.