UFCW UNION LOCAL 88 & EMPLOYERS HEALTH & WELFARE FUND (EIN 200946697) - 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

2004

Legal Domicile

Principal Officer

KYLE NORRIS

Phone

3143448899

Tax Period

2024-04-01 to 2025-03-31

UFCW UNION LOCAL 88 & EMPLOYERS HEALTH & WELFARE FUND, founded in 2004, is a mid-sized nonprofit in the Mutual Benefit sector that reported $17.1M in total revenue in fiscal year 2024. The organization ran a surplus of $2.8M, a strong 17% operating margin.

Mission

PROVIDE MEDICAL AND RELATED HEALTHCARE BENEFITS FOR ELIGIBLE MEMBERS AND THEIR 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 $16,636,763

Investment Income $451,570

Other Revenue $25,000

TOTAL REVENUE $17,113,333

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $872,308

TOTAL EXPENSES $14,273,944

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,113,333	$16,330,352	+0.0%
Expenses	$14,273,944	$13,853,840	+0.0%
Net Income	$2,839,389	$2,476,512	+0.1%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY MEYER	SECRETARY	1.00	Officer Director	$0	$0	$0
DAN TELLE	TRUSTEE	1.00	Director	$0	$0	$0
MIKE WILLIS	ALT. TRUSTEE	1.00	Director	$0	$0	$0
KYLE NORRIS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
AMY ARMSTRONG	TRUSTEE	1.00	Director	$0	$0	$0
MIKE FORTE	TRUSTEE	1.00	Director	$0	$0	$0
TONI LANDRETH	EXITING TRUSTEE	1.00	Director	$0	$0	$0
JACK RODEMAN	TRUSTEE	1.00	Director	$0	$0	$0
MEGAN WILLOUGHBY	ALT. TRUSTEE	1.00	Director	$0	$0	$0

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	$17,113,333	$14,273,944	$21,451,319	$2,839,389
2024	$16,330,352	$13,853,840	$18,396,798	$2,476,512
2023	$15,992,054	$15,283,858	$15,122,276	$708,196
2022	$16,390,136	$16,820,060	$15,413,349	$-429,924
2021	$18,024,510	$16,066,435	$16,022,848	$1,958,075
2020	$19,248,235	$19,553,570	$12,336,906	$-305,335
2019	$19,663,929	$18,190,078	$13,526,731	$1,473,851
2018	$18,912,580	$16,181,177	$11,751,146	$2,731,403

UFCW UNION LOCAL 88 & EMPLOYERS HEALTH & WELFARE FUND