UNITED STAFF ASSOCIATION WELFARE FUND (EIN 133034049) - 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

1980

Legal Domicile

Principal Officer

JENNA LARKIN

Tax Period

2024-07-01 to 2025-06-30

UNITED STAFF ASSOCIATION WELFARE FUND, founded in 1980, is a small nonprofit that reported $824K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $726K left a modest 12% surplus.

Mission

TO PROVIDE SUPPLEMENTAL HEALTH AND OTHER BENEFITS TO ELIGIBLE PARTICIPANTS COVERED BY COLLECTIVE BARGAINING AGREEMENTS.

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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 $798,885

Investment Income $25,068

Other Revenue $0

TOTAL REVENUE $823,953

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,655

Fundraising Expenses $0

Other Expenses $57,744

TOTAL EXPENSES $725,731

Year-over-Year Comparison

	2024	2023	Change
Revenue	$823,953	$745,496	+0.1%
Expenses	$725,731	$697,589	+0.0%
Net Income	$98,222	$47,907	+1.1%

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

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

Total Directors

$12,143

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNA LARKIN	TRUSTEE	15.00	Director	$5,306	$0	$5,306
DOREEN TRANI	TRUSTEE	7.00	Director	$3,537	$0	$3,537
DEIDRA TOOLAN	TRUSTEE	2.00	Director	$1,179	$0	$1,179
MARIA PONTIBRAND	TRUSTEE	2.00	Director	$707	$0	$707
JESSICA FYTROS	TRUSTEE	2.00	Director	$707	$0	$707
CRISTIN DEAGAN	TRUSTEE	2.00	Director	$707	$0	$707

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	$823,953	$725,731	$1,323,222	$98,222
2024	No data	No data	No data	No data
2023	$762,471	$723,705	$1,141,682	$38,766
2022	$753,387	$692,185	$1,083,100	$61,202
2021	$754,573	$705,248	$1,072,844	$49,325
2020	$770,771	$634,171	$1,036,142	$136,600
2019	$776,335	$734,647	$880,367	$41,688

UNITED STAFF ASSOCIATION WELFARE FUND