UNITED CRAFTS BENEFITS FUND (EIN 112252603) - 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

1972

Legal Domicile

Principal Officer

BARBARA ALBERGO

Phone

5168775008

Tax Period

2025-01-01 to 2025-12-31

UNITED CRAFTS BENEFITS FUND, founded in 1972, is a mid-sized nonprofit that reported $22.9M in total revenue in fiscal year 2025. Revenue fell 20% from the prior year — a significant decline worth monitoring. Expenses of $34.8M exceeded revenue, resulting in a 52% operating deficit.

Mission

TO NEGOTIATE AND PROVIDE VARIOUS MEDICAL BENEFITS TO 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $15,774,989

Investment Income $6,982,274

Other Revenue $108,101

TOTAL REVENUE $22,865,364

Expense Breakdown

Grants Paid $0

Salaries & Benefits $366,337

Fundraising Expenses $0

Other Expenses $2,168,007

TOTAL EXPENSES $34,781,368

Year-over-Year Comparison

	2025	2024	Change
Revenue	$22,865,364	$28,721,858	-0.2%
Expenses	$34,781,368	$32,526,352	+0.1%
Net Income	$-11,916,004	$-3,804,494	+2.1%

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

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

$176,320

Total Directors

$402,322

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER SCALZO	TRUSTEE	3.00	Director	$0	$5,520	$241,800
DANIEL WOTTAWA	TRUSTEE	0.50	Director	$0	$0	$0
JOSEPH PELLETTIERE	TRUSTEE	0.50	Director	$0	$0	$0
ALFRED CHIAINO	TRUSTEE	0.50	Director	$0	$0	$0
FRANK DIVITO	TRUSTEE	1.00	Director	$0	$5,520	$160,522
BARBARA ALBERGO	ADMINISTRATOR	40.00	Officer	$170,800	$5,520	$176,320
PHIL J CASTROGIOVANNI	TRUSTEE	5.00		$0	$8,518	$58,568

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	$22,865,364	$34,781,368	$109,650,587	$-11,916,004
2024	No data	No data	No data	No data
2023	$24,474,086	$29,954,009	$118,081,842	$-5,479,923
2022	$21,346,278	$28,412,421	$115,901,685	$-7,066,143
2021	$30,570,678	$29,160,028	$142,020,781	$1,410,650
2020	$21,958,069	$21,340,440	$139,038,757	$617,629
2019	$35,535,229	$29,874,329	$133,032,766	$5,660,900
2018	$24,104,557	$23,063,031	$123,747,194	$1,041,526

UNITED CRAFTS BENEFITS FUND