UUP MEMBER SERVICES TRUST FUND

EIN: 205565657 Employment

ALBANY, NY

Total Revenue
$5,805,229
Total Expenses
$4,977,110
Total Assets
$5,676,023
Net Assets
$3,547,172
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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
2006
Legal Domicile
NY
Principal Officer
FREDERICK E KOWAL
Phone
5186406600
Tax Period
2024-04-01 to 2025-03-31

UUP MEMBER SERVICES TRUST FUND, founded in 2006, is a community nonprofit in the Employment sector that reported $5.8M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $5.0M left a modest 14% surplus.

Mission

TO PROVIDE VARIOUS WELFARE BENEFITS INCLUDING INSURANCE PROGRAMS FOR DENTAL, VISION AND PERSONAL PROPERTY COVERAGE.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $5,641,919
Investment Income $163,310
Other Revenue $0
TOTAL REVENUE $5,805,229

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Other Expenses $4,977,110
TOTAL EXPENSES $4,977,110

Year-over-Year Comparison

2024 2023 Change
Revenue $5,805,229 $4,760,704 +0.2%
Expenses $4,977,110 $4,633,131 +0.1%
Net Income $828,119 $127,573 +5.5%
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

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Governance

Voting Members
5
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
2
$572,487
Total Directors
5
$1,151,198
Key Employees
0
$0
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
FREDERICK E KOWAL PRESIDENT 1.00
Officer Director
$0 $58,593 $297,579
JERILUANNE O'BRYAN-LOSEE SEC/TREAS 2.00
Officer Director
$0 $56,572 $274,908
ALISSA KARL TRUSTEE 1.00
Director
$0 $52,024 $243,870
CAROLYN KUBE TRUSTEE 1.00
Director
$0 $51,661 $247,777
PATRICK ROMAIN TRUSTEE 2.00
Director
$0 $27,687 $87,064
DOREEN BANGO DIRECTOR OF MEMBER BENEFIT 2.00
Highest
$0 $44,761 $206,010
TINA GEORGE DIRECTOR OF FINANCE 0.40
Highest
$0 $28,473 $209,376
JOELSEN STALEY SENIOR ACCOUNTANT 4.80
Highest
$0 $51,564 $159,956
CINDIE BAYLY ACCOUNTANT 0.40
Highest
$0 $36,293 $159,046
JENNIE DURAN EMPLOYEE 1.00
Highest
$0 $24,402 $168,325
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 $5,805,229 $4,977,110 $5,676,023 $828,119
2024 $4,760,704 $4,633,131 $4,871,205 $127,573
2023 $4,456,965 $4,255,086 $3,378,838 $201,879
2022 $4,153,714 $3,787,466 $3,659,069 $366,248
2021 $3,716,852 $3,309,692 $3,094,814 $407,160
2020 $3,334,697 $3,119,501 $2,557,387 $215,196
2019 $3,082,087 $2,899,081 $2,246,192 $183,006
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