UA Local 190 Individual HRA Plan (EIN 260268950) - 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

2007

Legal Domicile

Principal Officer

David Forbes and Jeremy Finn

Phone

2488139800

Tax Period

2024-06-01 to 2025-05-31

UA Local 190 Individual HRA Plan, founded in 2007, is a community nonprofit in the Mutual Benefit sector that reported $3.0M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.5M, a strong 51% operating margin.

Mission

Members may use individual HRA plan funds to cover medical claims which are not otherwise covered under the UA Local 190 Health and Welfare plans, or make self-payments for health care 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%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,375,044

Investment Income $616,578

Other Revenue $0

TOTAL REVENUE $2,991,622

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $74,510

TOTAL EXPENSES $1,453,073

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,991,622	$2,470,216	+0.2%
Expenses	$1,453,073	$1,244,168	+0.2%
Net Income	$1,538,549	$1,226,048	+0.3%

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

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
David Forbes	Chairman	000.10	Officer Director	$0	$0	$0
Jeremy Finn	Secretary	000.10	Officer Director	$0	$0	$0
Douglas Mayher Jr	Trustee	000.10	Director	$0	$0	$0
Nancy Cummins	Trustee	000.10	Director	$0	$0	$0
Walter Cosens	Trustee	000.10	Director	$0	$0	$0
Randall Whitaker	Trustee	000.10	Director	$0	$0	$0
Cynthia Maher	Trustee	000.10	Director	$0	$0	$0
Patrick Duffy	Trustee	000.10	Director	$0	$0	$0
Joseph Romine	Alternate Trustee	000.10	Director	$0	$0	$0
Jessica Arndt	Alternate Trustee	000.10	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	$2,991,622	$1,453,073	$14,750,141	$1,538,549
2024	$2,470,216	$1,244,168	$12,752,254	$1,226,048
2023	$2,369,812	$1,143,167	$11,529,853	$1,226,645
2022	$2,293,371	$1,115,700	$10,542,832	$1,177,671
2021	$2,142,843	$888,696	$10,181,039	$1,254,147
2020	$2,118,219	$861,036	$8,309,423	$1,257,183
2019	$2,191,187	$835,947	$6,841,613	$1,355,240
2018	$1,579,273	$778,915	$5,403,047	$800,358

UA Local 190 Individual HRA Plan