Civic Intelligence

Nrlca Veba Trust

EIN 46-5090278 • 501(c)9 • Alexandria, VA

Profile

The nrlca veba trust funds all nrlca health plan and benefits.

1630 Duke Street 4th FloorAlexandria, VA 22314-3465

www.nrlca.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

61st percentile

0.05x

Higher debt load relative to assets than 61% of similar nonprofits.

501(c)9 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

38th percentile

0.02x

Higher debt load relative to revenue than 38% of similar nonprofits.

501(c)9 • $250M-$1B nonprofits • Source year 2024

Net Margin

20th percentile

-5.8%

Higher net margin than 20% of similar nonprofits.

501(c)9 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

67th percentile

8.9%

Faster asset growth than 67% of similar nonprofits.

501(c)9 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

25th percentile

-0.2%

Faster revenue growth than 25% of similar nonprofits.

501(c)9 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$144,397,810

Up $11,798,921 (+8.9%) from 2023

Liabilities

Up

$7,533,599

Up $3,787,534 (+101%) from 2023

Net Assets

Up

$136,864,211

Up $8,011,387 (+6.2%) from 2023

Operations
Liabilities / Revenue38th percentileNet Margin20th percentile

Revenue

Down

$423,780,744

Down $789,223 (-0.2%) from 2023

Expenses

Down

$448,566,298

Down $1,658,929 (-0.4%) from 2023

Net Income

Up

-$24,785,554

Up $869,706 (+3.4%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth67th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2014: $94,460,815Liabilities 2014: $20,640,102Net Assets 2014: $73,820,7132014Assets 2015: $97,217,500Liabilities 2015: $31,970,053Net Assets 2015: $65,247,4472015Assets 2016: $81,981,147Liabilities 2016: $34,890,400Net Assets 2016: $47,090,7472016Assets 2017: $90,863,239Liabilities 2017: $45,478,555Net Assets 2017: $45,384,6842017Assets 2018: $85,617,871Liabilities 2018: $52,033,403Net Assets 2018: $33,584,4682018Assets 2019: $91,730,975Liabilities 2019: $27,495,517Net Assets 2019: $64,235,4582019Assets 2020: $168,417,883Liabilities 2020: $25,700,228Net Assets 2020: $142,717,6552020Assets 2021: $116,252,948Liabilities 2021: $11,525,410Net Assets 2021: $104,727,5382021Assets 2022: $131,608,191Liabilities 2022: $3,940,954Net Assets 2022: $127,667,2372022Assets 2023: $132,598,889Liabilities 2023: $3,746,065Net Assets 2023: $128,852,8242023Assets 2024: $144,397,810Liabilities 2024: $7,533,599Net Assets 2024: $136,864,2112024

Highlighted filing

2024

Assets$144,397,810
Liabilities$7,533,599
Net Assets$136,864,211
Open 2024 Filing

Operations Trend

Revenue Growth25th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600M$400M$200M$0-$200MRevenue 2014: $305,011,698Expenses 2014: $304,434,848Net Income 2014: $576,8502014Revenue 2015: $302,999,300Expenses 2015: $312,284,770Net Income 2015: -$9,285,4702015Revenue 2016: $318,618,661Expenses 2016: $333,345,402Net Income 2016: -$14,726,7412016Revenue 2017: $339,497,186Expenses 2017: $363,071,219Net Income 2017: -$23,574,0332017Revenue 2018: $368,205,248Expenses 2018: $407,381,263Net Income 2018: -$39,176,0152018Revenue 2019: $392,269,297Expenses 2019: $427,830,499Net Income 2019: -$35,561,2022019Revenue 2020: $437,172,867Expenses 2020: $431,535,265Net Income 2020: $5,637,6022020Revenue 2021: $432,672,998Expenses 2021: $460,313,463Net Income 2021: -$27,640,4652021Revenue 2022: $422,302,896Expenses 2022: $448,117,548Net Income 2022: -$25,814,6522022Revenue 2023: $424,569,967Expenses 2023: $450,225,227Net Income 2023: -$25,655,2602023Revenue 2024: $423,780,744Expenses 2024: $448,566,298Net Income 2024: -$24,785,5542024

Highlighted filing

2024

Revenue$423,780,744
Expenses$448,566,298
Net Income-$24,785,554
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$144,397,810
Liabilities
$7,533,599
Net assets
$136,864,211
Revenue
$423,780,744
Expenses
$448,566,298
Net income
-$24,785,554
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$144$7.53$137$424$449$24.8
2023Detailed filing. Detailed filing data is available for this year.$133$3.75$129$425$450$25.7
2022Detailed filing. Detailed filing data is available for this year.$132$3.94$128$422$448$25.8
2021Detailed filing. Detailed filing data is available for this year.$116$11.5$105$433$460$27.6
2020Detailed filing. Detailed filing data is available for this year.$168$25.7$143$437$432$5.64
2019Detailed filing. Detailed filing data is available for this year.$91.7$27.5$64.2$392$428$35.6
2018Detailed filing. Detailed filing data is available for this year.$85.6$52.0$33.6$368$407$39.2
2017Detailed filing. Detailed filing data is available for this year.$90.9$45.5$45.4$339$363$23.6
2016Detailed filing. Detailed filing data is available for this year.$82.0$34.9$47.1$319$333$14.7
2015Detailed filing. Detailed filing data is available for this year.$97.2$32.0$65.2$303$312$9.29
2014Detailed filing. Detailed filing data is available for this year.$94.5$20.6$73.8$305$304$0.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$423,780,744
Mission and Program Overview

Mission

The nrlca veba trust provides the funding for the rural carrier benefit plan that serves the nrlca's membership and the nrlca staff health plan which serves its employees.

The nrlca veba trust funds all nrlca health plan and benefits.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$128,852,824$136,864,211▲ $8,011,387
Accounts Receivable$33,734,005$35,730,022▲ $1,996,017
Cash and Non-Interest-Bearing Accounts$8,511,139$8,344,653▼ $166,486
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$132,598,889$144,397,810▲ $11,798,921
Other Assets Total$90,353,745$100,323,135▲ $9,969,390
Liabilities
Other Liabilities$263,425$4,530,216▲ $4,266,791
Accounts Payable and Accrued Expenses$3,482,640$3,003,383▼ $479,257
Total Liabilities$3,746,065$7,533,599▲ $3,787,534
Net Assets / Fund Balance
Total Net Assets Fund Balance$128,852,824$136,864,211▲ $8,011,387
Total Liabilities and Net Assets / Fund Balance$132,598,889$144,397,810▲ $11,798,921

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$2,400,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lynne PallerDirector of Insurance ProgFT$178,361$35,305$213,666

Board Members and Trustees

NameTitle
Thomas TurnerTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
Cohnreznick LLPProfessional Fees7501 WISCONSIN AVE SUITE 400E, Bethesda, MD 20814$111,116
Ermer Law Group PllcGeneral Counsel1101 VERMONT AVE NW STE 1002, Washington, DC 20005-4905$109,359
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$423,557,346
Investment Income
$223,398
Other Revenue
$0
Change in Net Assets
$-24,785,554
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$24,612,516
Salaries, Compensation, and Employee Benefits$434,664
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$423,519,118
Fees for Services Management---$17,674,971
All Other Expenses---$1,584,073
Fees for Services Other---$634,838
Office Expenses---$457,188
Current Officers, Directors, Trustees, and Key Employees---$213,666
Fees for Services Accounting---$192,000
Other Expenses---$156,579
Other Salaries and Wages---$148,696
Occupancy---$107,370
Fees for Services Legal---$103,980
Other Employee Benefits---$72,302
Travel---$10,471
Information Technology---$9,389
Insurance---$1,092
Total Functional Expenses$0$0$0$448,566,298
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$4,530,216
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The organization has engaged claims administration corp. (cac), which is a subsidiary of aetna, a cvs health company, to administer the insurance plans. The organization is covered by united states fire insurance company and by garden state life insurance company. One provides stop loss insurance for the plans, and the other provides aggregate coverage for the organization.”

Form 990, Part VI, Section B, Line 11B

“Once the initial 990 draft is completed, it is reviewed by the trustee of the organization. Once approved, the 990 and any related schedules are filed timely.”

Form 990, Part VI, Section B, Line 15

“The finance committee of the related organization, national rural letter carriers' association, reviews salary data and establishes the compensation of the director of insurance programs.”

Form 990, Part VI, Section C, Line 19

“The organization does not make its governing documents, conflict of interest policy, and financial statements available to the public.”

Filing and Contact Details

Filer

Filer Name
Nrlca Veba Trust
EIN
46-5090278
Phone
7036845545
Address
1630 DUKE STREET 4TH FLOOR, ALEXANDRIA, VA 22314-3465

Signing Officer

Name
Thomas K Turner
Title
Trustee
Phone
7036845545
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas K Turner
Formed
2014
Legal Domicile
Va
Voting Board Members
1
Independent Board Members
0
Employees
0
Volunteers
0

Preparer

Firm
Cohnreznick Advisory LLC
Address
7501 WISCONSIN AVENUE SUITE 400E, BETHESDA, MD 20814
Preparer
DANIEL O'SHEA
Phone
3016529100
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Contingency reserve payments 32,796,941.”

Raw XML Appendix353 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0THOMAS TURNER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1LYNNE PALLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0TRUSTEE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1DIRECTOR OF INSURANCE PROG
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1213666
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0242960
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS ENGAGED CLAIMS ADMINISTRATION CORP. (CAC), WHICH IS A SUBSIDIARY OF AETNA, A CVS HEALTH COMPANY, TO ADMINISTER THE INSURANCE PLANS. THE ORGANIZATION IS COVERED BY UNITED STATES FIRE INSURANCE COMPANY AND BY GARDEN STATE LIFE INSURANCE COMPANY. ONE PROVIDES STOP LOSS INSURANCE FOR THE PLANS, AND THE OTHER PROVIDES AGGREGATE COVERAGE FOR THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ONCE THE INITIAL 990 DRAFT IS COMPLETED, IT IS REVIEWED BY THE TRUSTEE OF THE ORGANIZATION. ONCE APPROVED, THE 990 AND ANY RELATED SCHEDULES ARE FILED TIMELY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FINANCE COMMITTEE OF THE RELATED ORGANIZATION, NATIONAL RURAL LETTER CARRIERS' ASSOCIATION, REVIEWS SALARY DATA AND ESTABLISHES THE COMPENSATION OF THE DIRECTOR OF INSURANCE PROGRAMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONTINGENCY RESERVE PAYMENTS 32,796,941.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0NATIONAL RURAL LETTER CARRIERS' ASSN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0530116149
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(5)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0VA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0LABOR ORG.
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt01630 DUKE STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0ALEXANDRIA
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IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd01
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransferFromOtherOrgInd01
IRS990ScheduleR/TransferToOtherOrgInd01
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0132598889
IRS990/TotalAssetsEOYAmt0144397810
IRS990/TotalAssetsGrp/BOYAmt0132598889
IRS990/TotalAssetsGrp/EOYAmt0144397810
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0448566298
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03746065
IRS990/TotalLiabilitiesEOYAmt07533599
IRS990/TotalLiabilitiesGrp/BOYAmt03746065
IRS990/TotalLiabilitiesGrp/EOYAmt07533599
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0128852824
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0136864211
IRS990/TotalOtherCompensationAmt086515
IRS990/TotalProgramServiceRevenueAmt0423557346
IRS990/TotalReportableCompFromOrgAmt0178361
IRS990/TotalRevenueGrp/ExclusionAmt0223398
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0423557346
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0423780744
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0132598889
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0144397810
IRS990/TotReportableCompRltdOrgAmt0191750
IRS990/TravelGrp/TotalAmt010471
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01630 DUKE STREET 4TH FLOOR
IRS990/USAddress/CityNm0ALEXANDRIA
IRS990/USAddress/StateAbbreviationCd0VA
IRS990/USAddress/ZIPCd0223143465
IRS990/VotingMembersGoverningBodyCnt01
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.NRLCA.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS K TURNER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum07036845545
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NRLCA VEBA TRUST
ReturnHeader/Filer/BusinessNameControlTxt0NRLC
ReturnHeader/Filer/EIN0465090278
ReturnHeader/Filer/PhoneNum07036845545
ReturnHeader/Filer/USAddress/AddressLine1Txt01630 DUKE STREET 4TH FLOOR
ReturnHeader/Filer/USAddress/CityNm0ALEXANDRIA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd0223143465
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0333709623
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0COHNREZNICK ADVISORY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07501 WISCONSIN AVENUE SUITE 400E
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BETHESDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd020814
ReturnHeader/PreparerPersonGrp/PhoneNum03016529100
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DANIEL O'SHEA
ReturnHeader/ReturnTs02025-11-16T09:37:43-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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