UNITED WORKERS FOR THE BLIND OF MISSOURI (EIN 430681485) - 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

1912

Legal Domicile

Principal Officer

Raymond Bishop

Phone

3146053058

Tax Period

2023-07-01 to 2024-06-30

UNITED WORKERS FOR THE BLIND OF MISSOURI, founded in 1912, is a micro nonprofit in the Diseases & Disorders sector that reported $25K in total revenue in fiscal year 2023. Revenue fell 65% from the prior year — a significant decline worth monitoring. Net assets of $1.2M represent 570 months of operating reserves.

Mission

To aid the blind and elderly

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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 $2,141

Program Service Revenue $0

Investment Income $23,331

Other Revenue $0

TOTAL REVENUE $25,472

Expense Breakdown

Grants Paid $1,400

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $25,044

Other Expenses $17,917

TOTAL EXPENSES $25,853

Year-over-Year Comparison

	2023	2022	Change
Revenue	$25,472	$73,235	-0.7%
Expenses	$25,853	$20,570	+0.3%
Net Income	$-381	$52,665	-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

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
Kay Malmquist	President	4.00	Officer Director	$0	$0	$0
Raymond Bishop	Vice President	3.00	Officer Director	$0	$0	$0
Peggy Smith	Treasurer	4	Officer Director	$0	$0	$0
Anna Schell	Recording Secretary	3	Officer Director	$0	$0	$0
Donna Bishop	Corresponding Secretary	3	Officer 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	No data	No data	No data	No data
2024	$25,472	$25,853	$1,211,267	$-381
2023	$73,235	$20,570	$1,109,610	$52,665
2022	$32,400	$17,887	$1,080,893	$14,513
2021	$97,736	$14,850	$1,155,148	$82,886
2020	$-5,977	$27,243	$928,672	$-33,220
2019	$-10,859	$26,201	$934,940	$-37,060
2018	$75,510	$27,736	$928,770	$47,774

UNITED WORKERS FOR THE BLIND OF MISSOURI