UNITED UNIVERSITY PROFESSIONS BENEFIT TRUST FUND (EIN 141742655) - 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

1991

Legal Domicile

Principal Officer

FREDERICK KOWAL

Phone

5186406600

Tax Period

2024-04-01 to 2025-03-31

UNITED UNIVERSITY PROFESSIONS BENEFIT TRUST FUND, founded in 1991, is a mid-sized nonprofit that reported $51.4M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $12.7M, a strong 25% operating margin.

Mission

PROVIDES DENTAL, OPTICAL, LIFE INSURANCE & TUITION SCHOLARSHIP BENEFITS TO PARTICIPANTS & THEIR COVERED DEPENDENTS.

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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 $46,855,970

Investment Income $4,559,324

Other Revenue $0

TOTAL REVENUE $51,415,294

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $38,711,046

TOTAL EXPENSES $38,711,046

Year-over-Year Comparison

	2024	2023	Change
Revenue	$51,415,294	$46,898,862	+0.1%
Expenses	$38,711,046	$36,175,096	+0.1%
Net Income	$12,704,248	$10,723,766	+0.2%

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

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

$572,487

Total Directors

$1,151,198

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FREDERICK E KOWAL	PRESIDENT	3.00	Officer Director	$0	$58,593	$297,579
JERILUANNE O'BRYAN-LOSEE	SECRETARY / TREASURER	7.00	Officer Director	$0	$56,572	$274,908
ALISSA KARL	TRUSTEE	3.00	Director	$0	$52,024	$243,870
CAROLYN KUBE	TRUSTEE	3.00	Director	$0	$51,661	$247,777
PATRICK ROMAIN	TRUSTEE	4.00	Director	$0	$27,687	$87,064
DOREEN BANGO	FUND ADMINISTRATOR	37.60	Highest	$0	$44,761	$206,010
TINA GEORGE	DIRECTOR OF FINANCE	26.00	Highest	$0	$28,473	$209,376
KRISTIE SAMMONS	DIRECTOR OF ORGANIZING	1.20	Highest	$0	$53,125	$214,170
LYNN ALDERMAN	ASST. TO THE PRESIDENT	14.00	Highest	$0	$36,391	$192,274
LUCAS WILLIAMS	DIRECTOR OF INFORMATION TECHNOLOGY / WEB MANAGER	20.00	Highest	$0	$50,753	$190,569

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	$51,415,294	$38,711,046	$117,351,820	$12,704,248
2024	$46,898,862	$36,175,096	$103,776,145	$10,723,766
2023	$43,544,393	$33,779,405	$88,844,424	$9,764,988
2022	$45,334,954	$33,016,885	$81,922,697	$12,318,069
2021	$45,477,404	$33,750,648	$70,737,004	$11,726,756
2020	$42,302,414	$34,228,928	$55,666,946	$8,073,486
2019	$40,531,233	$33,169,649	$48,302,986	$7,361,584

UNITED UNIVERSITY PROFESSIONS BENEFIT TRUST FUND