Credit Union Health Benefits of Am… - Form 990 Financial Data

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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

2008

Legal Domicile

Principal Officer

Clay Jackson

Phone

9169833387

Tax Period

2024-01-01 to 2024-12-31

Credit Union Health Benefits of America CO Affinity Group Administrators, founded in 2008, is a community nonprofit in the Community Improvement sector that reported $3.8M in total revenue in fiscal year 2024. Revenue surged 1464% from the prior year, signaling strong growth momentum.

Mission

To reduce the cost of health benefit insurance coverage for credit unions

Program Service Accomplishments

Program 1

Expenses: $15,620

To reduce the cost of health benefit insurance coverage for credit unions

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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 $3,770,575

Investment Income $0

Other Revenue $13,636

TOTAL REVENUE $3,784,211

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $15,620

Other Expenses $3,786,195

TOTAL EXPENSES $3,786,195

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,784,211	$241,930	+14.6%
Expenses	$3,786,195	$115,599	+31.8%
Net Income	$-1,984	$126,331	-1.0%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lisa Pesta	President/Treas	0.25	Officer Director	$0	$0	$0
LeeAnne Giblin	VP/Secretary	0.25	Officer Director	$0	$0	$0
Clay Jackson	Asst. Secretary	1.00	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
2024	$3,784,211	$3,786,195	$-394	$-1,984
2022	$1,750,403	$1,734,429	$1,312,094	$15,974
2021	$1,593,935	$1,647,387	$1,084,269	$-53,452
2020	$1,272,094	$1,383,196	$952,474	$-111,102
2019	$1,097,198	$1,006,709	$590,638	$90,489
2018	$984,340	$964,348	$355,962	$19,992
2018	$984,340	$964,348	$355,962	$19,992

Credit Union Health Benefits of America CO Affinity Group Administrators