UNITED CHURCH INSURANCE COMPANY (EIN 270045940) - 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

2001

Legal Domicile

Principal Officer

TIMOTHY S HARRIS

Phone

2167363238

Tax Period

2023-01-01 to 2023-12-31

UNITED CHURCH INSURANCE COMPANY, founded in 2001, is a mid-sized nonprofit in the Mutual Benefit sector that reported $38.5M in total revenue in fiscal year 2023. Expenses of $50.6M exceeded revenue, resulting in a 31% operating deficit.

Mission

CAPTIVE REINSURANCE COMPANY FOR PARTICIPATING CHURCHES AND MINISTRIES OF THE UNITED CHURCH INSURANCE ASSOCIATION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $36,951,282

Investment Income $1,538,787

Other Revenue $0

TOTAL REVENUE $38,490,069

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $48,583,049

Other Expenses $50,583,049

TOTAL EXPENSES $50,583,049

Year-over-Year Comparison

	2023	2022	Change
Revenue	$38,490,069	$38,911,382	0.0%
Expenses	$50,583,049	$36,285,440	+0.4%
Net Income	$-12,092,980	$2,625,942	-5.6%

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

$1,486,652

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHANA JOHNSON	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT BRAUTIGAM	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM WHITEHEAD	DIRECTOR	2.00	Director	$0	$0	$0
ERICK REISINGER	DIRECTOR	2.00	Director	$0	$0	$0
THOMAS MITCHELL	DIRECTOR	2.00	Director	$0	$0	$0
ALAN RELYEA	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW BUNN	DIRECTOR	2.00	Director	$0	$0	$0
SUSAN KRUMMEL	DIRECTOR	2.00	Director	$0	$0	$0
TIMOTHY S HARRIS	PRESIDENT/ CEO	40.00	Officer	$0	$82,596	$572,912
ANDREA GAUDING	SR. V/P CFO	40.00	Officer	$0	$54,477	$340,774
FARNAZ BERNA	VP MARKETING	40.00	Officer	$0	$48,306	$276,489
JAMES HOWARD	V/P OPERATIONS	40.00	Officer	$0	$64,189	$296,477

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	No data	No data	No data	No data
2023	$38,490,069	$50,583,049	$57,029,335	$-12,092,980
2022	$38,911,382	$36,285,440	$55,276,109	$2,625,942
2021	$36,904,277	$41,762,344	$53,498,153	$-4,858,067
2020	$32,506,903	$34,083,070	$55,963,676	$-1,576,167
2019	$27,038,832	$29,559,287	$47,717,800	$-2,520,455

UNITED CHURCH INSURANCE COMPANY