UNITED FEDERATION OF TEACHERS HEALTH CAR (EIN 136783346) - 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

DEBBIE RUBIN

Phone

2129825547

Tax Period

2024-01-01 to 2024-12-31

UNITED FEDERATION OF TEACHERS HEALTH CAR, founded in 1980, is a mid-sized nonprofit that reported $42.8M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE HEALTH AND WELFARE 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $42,673,493

Investment Income $149,074

Other Revenue $0

TOTAL REVENUE $42,822,567

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,375,670

TOTAL EXPENSES $42,325,542

Year-over-Year Comparison

	2024	2023	Change
Revenue	$42,822,567	$38,790,398	+0.1%
Expenses	$42,325,542	$38,727,766	+0.1%
Net Income	$497,025	$62,632	+6.9%

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

N/A

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

$189,034

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK COLLINS	UNION TRUSTEE	1.00	Director	$0	$0	$0
MELISSA GREINER	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
CARL CAMBRIA	UNION TRUSTEE	1.00	Director	$0	$0	$0
TANYA ISAACS	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
HOWARD SANDAU	FORMER UNION TRUSTEE	1.00	Director	$0	$0	$0
GREGG NEVOLA	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
BEVIN SULLIVAN	UNION TRUSTEE	1.00	Director	$0	$0	$0
STEPHANIE COEYMAN	FORMER EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
WAYNE NEMATH	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
DEBBIE RUBIN	ADMINISTRATOR	35.00	Officer	$0	$64,181	$189,034

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
2024	$42,822,567	$42,325,542	$45,576,999	$497,025
2023	$38,790,398	$38,727,766	$43,287,729	$62,632
2022	$35,627,850	$36,165,841	$42,052,731	$-537,991
2021	$35,536,855	$34,000,089	$44,363,289	$1,536,766
2020	$37,705,469	$31,253,095	$41,796,589	$6,452,374
2019	$34,984,661	$32,346,736	$35,792,234	$2,637,925
2018	$38,997,441	$34,525,346	$32,928,332	$4,472,095

UNITED FEDERATION OF TEACHERS HEALTH CAR