UFCW LOCAL 312 BENEFIT FUND (EIN 111889115) - 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

1962

Legal Domicile

Principal Officer

SCOTT LONANO

Phone

7325491010

Tax Period

2024-03-01 to 2025-02-28

UFCW LOCAL 312 BENEFIT FUND, founded in 1962, is a community nonprofit in the Employment sector that reported $2.1M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $1.8M left a modest 12% surplus.

Mission

TO PROVIDE ANCILARY BENEFITS, SUCH AS, CRITICAL ILLNESS AND ACCIDENT, DENTAL, OPTICAL, LEGAL AND DEATH BENEFITS TO ALL ELIGIBLE PARTICIPANTS AND THEIR FAMILIES.

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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 $1,996,973

Investment Income $25,747

Other Revenue $83,624

TOTAL REVENUE $2,106,344

Expense Breakdown

Grants Paid $0

Salaries & Benefits $679,789

Fundraising Expenses $0

Other Expenses $361,525

TOTAL EXPENSES $1,846,678

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,106,344	$1,788,709	+0.2%
Expenses	$1,846,678	$1,924,407	0.0%
Net Income	$259,666	$-135,698	-2.9%

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

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

$332,761

Total Directors

$426,428

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT LASALLE	TRUSTEE	40.00	Director	$0	$50,178	$426,428
BRIAN POWERS	TRUSTEE	0.00	Director	$0	$0	$0
SCOTT LONANO	FUND ADMINISTRATOR	40.00	Officer	$273,380	$55,781	$332,761

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	$2,106,344	$1,846,678	$1,618,732	$259,666
2024	$1,788,709	$1,924,407	$1,411,023	$-135,698
2023	$1,828,397	$1,818,379	$1,626,777	$10,018
2022	$1,873,536	$1,852,334	$1,242,760	$21,202
2021	$1,879,891	$1,857,846	$1,233,955	$22,045
2020	$1,897,465	$1,795,543	$1,212,964	$101,922

UFCW LOCAL 312 BENEFIT FUND