UNITED HEALTH & WELFARE FUND

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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

1936

Legal Domicile

Principal Officer

ALFRED PISCINO

Phone

2012271775

Tax Period

2024-08-01 to 2025-07-31

UNITED HEALTH & WELFARE FUND, founded in 1936, is a community nonprofit that reported $6.5M in total revenue in fiscal year 2024. Revenue decreased 5% compared to the prior year. Expenses of $6.2M left a modest 5% surplus.

Mission

TO PROVIDE HEALTH RELATED BENEFITS PLUS DENTAL EYEGLASSES ETC FOR PARTICIPANTS

Program Service Accomplishments

Program 1

HEALTH INSURANCE BENEFITS FOR MEMBERS.,

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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 $6,477,757

Investment Income $14

Other Revenue $0

TOTAL REVENUE $6,477,771

Expense Breakdown

Grants Paid $0

Salaries & Benefits $341,444

Fundraising Expenses $0

Other Expenses $146,088

TOTAL EXPENSES $6,158,169

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,477,771	$6,827,503	-0.1%
Expenses	$6,158,169	$6,773,593	-0.1%
Net Income	$319,602	$53,910	+4.9%

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

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

$167,325

Total Directors

$213,965

Key Employees

$167,090

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALFRED PISCINO	FUND ADMINSTRATOR	035.00	Officer Director Highest	$152,375	$14,950	$167,325
MARYANNE SULLIVAN	OFFICE MANAGER	035.00	Key Emp Highest	$90,100	$30,350	$120,450
ANTHONY G NEGRI SR	BUSINESS AGENT	025.00	Director Key Emp Highest	$46,640	$0	$46,640

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	$6,477,771	$6,158,169	$729,625	$319,602
2024	$6,827,503	$6,773,592	$784,152	$53,911
2023	$6,861,181	$7,789,330	$912,632	$-928,149
2022	$7,152,630	$7,448,091	$2,106,878	$-295,461
2022	$7,152,630	$7,448,091	$2,106,878	$-295,461
2021	$7,659,833	$7,943,037	$2,104,557	$-283,204
2020	$7,303,901	$7,175,722	$2,492,645	$128,179