UNION MUTUAL FOUNDATION

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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

1974

Legal Domicile

Principal Officer

STANLEY GOLLINS

Phone

2015698180

Tax Period

2021-01-01 to 2021-12-31

UNION MUTUAL FOUNDATION, founded in 1974, is a micro nonprofit that reported $16K in total revenue in fiscal year 2021. Revenue surged 70% from the prior year, signaling strong growth momentum. Expenses of $38K exceeded revenue, resulting in a 137% operating deficit.

Mission

THE FOUNDATION WAS CREATED AND IS OPERATED FOR CHARITABLE, CULTURAL, ECONOMIC,EDUCATIONAL, MEDICAL, SCIENTIFIC, OR HEALTH RELATED PURPOSES, AS WELL AS OTHERPURPOSES, OBJECTIVES, AND ACTIVITIES, LOCALLY AND NATIONALLY, INCLUDING, BUT NOTLIMITED TO, HEALTH AND OTHER EDUCATIONAL CONFERENCES, SCHOLARSHIPS, MEDICAL, ANDOTHER RESEARCH FUNDING.

Program Service Accomplishments

Program 1

Expenses: $21,360

RESEARCH, PREPARATION, PRINTING, AND DISTRIBUTION OF A MONTHLY NEWSLETTER THATREPORTS NEWS BRIEFS AND CUTTING EDGE MEDICAL INFORMATION OF INTEREST TO RETIREDPERSONS. IT IS HOPED THAT THE KNOWLEDGE...

RESEARCH, PREPARATION, PRINTING, AND DISTRIBUTION OF A MONTHLY NEWSLETTER THATREPORTS NEWS BRIEFS AND CUTTING EDGE MEDICAL INFORMATION OF INTEREST TO RETIREDPERSONS. IT IS HOPED THAT THE KNOWLEDGE GAINED FROM THIS NEWSLETTER WILL ENHANCE ANDPROLONG THE LIVES OF ITS READERS BY MANY YEARS BY MAKING THEM MORE INFORMED ABOUTNUTRITION, AREAS OF CURRENT RESEARCH, AND NEW PROCEDURES THAT MAY AFFECT THEIR LIVES.

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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 (2021)

Revenue Breakdown

Contributions & Grants $12,000

Program Service Revenue $0

Investment Income $4,103

Other Revenue $0

TOTAL REVENUE $16,103

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,000

Fundraising Expenses $0

Program Expenses $21,360

Other Expenses $37,223

TOTAL EXPENSES $38,223

Year-over-Year Comparison

	2021	2020	Change
Revenue	$16,103	$9,449	+0.7%
Expenses	$38,223	$47,011	-0.2%
Net Income	$-22,120	$-37,562	-0.4%

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

Total Directors

$1,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STANLEY GOLLINS	TRUSTEE	1.00	Director	$500	$0	$500
AUREA MEDINA	TRUSTEE	1.00	Director	$500	$0	$500

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
2021	$16,103	$38,223	$46,700	$-22,120
2020	$9,449	$47,011	$64,915	$-37,562
2019	$70,313	$92,625	$98,172	$-22,312
2018	$61,215	$132,994	$99,185	$-71,779