UNITED AGRICULTURAL BENEFIT TRUST (EIN 330013118) - 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

1983

Legal Domicile

Phone

8888663275

Tax Period

2023-01-01 to 2023-12-31

UNITED AGRICULTURAL BENEFIT TRUST, founded in 1983, is a major nonprofit that reported $242.1M in total revenue in fiscal year 2023. Expenses of $217.5M left a modest 10% surplus.

Mission

UABT PROVIDES HEALTH, DENTAL, AND VISION BENEFITS, AS WELL AS LIFE INSURANCE TO EMPLOYEES AND THE DEPENDENTS OF EMPLOYER MEMBERS OF UNITED AGRIBUSINESS LEAGUE.

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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 $239,518,224

Investment Income $2,110,972

Other Revenue $444,592

TOTAL REVENUE $242,073,788

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,538

Fundraising Expenses $0

Program Expenses $186,716,012

Other Expenses $30,686,675

TOTAL EXPENSES $217,536,225

Year-over-Year Comparison

	2023	2022	Change
Revenue	$242,073,788	$231,040,864	+0.0%
Expenses	$217,536,225	$226,364,801	0.0%
Net Income	$24,537,563	$4,676,063	+4.2%

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
MACK RAMSAY	CHAIRMAN	N/A	Director	$0	$0	$0
DANIELLE MCSHANE	TREASURER	N/A	Director	$0	$0	$0
JUDY LUNDBERG	TRUSTEE	N/A	Director	$0	$0	$0
PAT REGAN	VICE CHAIRMAN	N/A	Director	$0	$0	$0
ALLAN TEIXEIRA	TRUSTEE	N/A	Director	$0	$0	$0
CRAIG WAITE	TRUSTEE	N/A	Director	$0	$0	$0
A J CISNEY	TRUSTEE	N/A	Director	$0	$0	$0
MICHAEL HEISINGER	TRUSTEE	N/A	Director	$0	$0	$0
BANK OF AMERICA	TRUSTEE	N/A		$133,538	$0	$133,538

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	$242,073,788	$217,536,225	$86,439,562	$24,537,563
2022	$231,040,864	$226,364,801	$61,729,288	$4,676,063
2021	$227,035,406	$236,484,411	$60,597,728	$-9,449,005
2021	$225,636,676	$236,527,461	$60,597,728	$-10,890,785
2020	$214,938,202	$209,656,947	$69,880,026	$5,281,255
2020	$217,603,535	$209,707,298	$69,880,026	$7,896,237
2019	$200,097,202	$203,831,576	$66,128,858	$-3,734,374

UNITED AGRICULTURAL BENEFIT TRUST