SOUTH JERSEY INDUSTRIES INC VOL EMP BEN ASSN FOR UNION EMPLOYEES TR (EIN 223460839) - 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

1996

Legal Domicile

Principal Officer

Scott Barr

Phone

6095619000

Tax Period

2025-01-01 to 2025-12-31

SOUTH JERSEY INDUSTRIES INC VOL EMP BEN ASSN FOR UNION EMPLOYEES TR, founded in 1996, is a community nonprofit that reported $8.0M in total revenue in fiscal year 2025. Revenue surged 44% from the prior year, signaling strong growth momentum. The organization ran a surplus of $6.4M, a strong 80% operating margin.

Mission

FUNDING POST RETIREMENT EMPLOYEE BENEFITS

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $352

Investment Income $1,605,938

Other Revenue $6,399,845

TOTAL REVENUE $8,006,135

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $171,584

TOTAL EXPENSES $1,570,203

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,006,135	$5,577,068	+0.4%
Expenses	$1,570,203	$2,035,381	-0.2%
Net Income	$6,435,932	$3,541,687	+0.8%

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
Scott Barr	VP Controller	0.00	Officer	$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	$8,006,135	$1,570,203	$63,824,718	$6,435,932
2024	$5,577,068	$2,035,381	$57,388,786	$3,541,687
2023	$7,426,709	$2,113,043	$53,847,099	$5,313,666
2022	$-9,813,833	$985,171	$48,533,433	$-10,799,004
2021	$6,271,302	$206,778	$59,332,437	$6,064,524
2020	$6,215,230	$180,302	$53,267,846	$6,034,928

SOUTH JERSEY INDUSTRIES INC VOL EMP BEN ASSN FOR UNION EMPLOYEES TR