UNIFORMED SERVICES BENEFIT ASSOCIATION (EIN 431912641) - 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

1959

Legal Domicile

Phone

9133275500

Tax Period

2024-06-01 to 2025-05-31

UNIFORMED SERVICES BENEFIT ASSOCIATION, founded in 1959, is a community nonprofit in the Mutual Benefit sector that reported $5.5M in total revenue in fiscal year 2024. Expenses of $5.0M left a modest 9% surplus.

Mission

PROVIDES AFFORDABLE INSURANCE & FINANCIAL PRODUCTS AND SERVICES TO MILITARY PERSONNEL, FEDERAL EMPLOYEES, GUARD & RESERVE MEMBERS, FORMER MILITARY & THEIR FAMILIES.

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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 $4,784,459

Investment Income $728,076

Other Revenue $8,427

TOTAL REVENUE $5,520,962

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,948,741

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,063,100

TOTAL EXPENSES $5,011,841

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,520,962	$5,468,522	+0.0%
Expenses	$5,011,841	$4,711,496	+0.1%
Net Income	$509,121	$757,026	-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

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

$977,755

Total Directors

$329,330

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COL PATRICK A MCVAY	SECRETARY/DIRECTOR	1.0	Officer Director	$1,800	$0	$1,800
CONSTANCE R MARKOVICH	PRESIDENT AND CEO	40.0	Officer Director	$294,213	$24,917	$323,930
LTGEN EARL B HAILSTON	CHAIRMAN/DIRECTOR	1.0	Officer Director	$1,200	$0	$1,200
LTGEN WILLIE J WILLIAMS	VICE CHAIRMAN/DIRECTOR	1.0	Officer Director	$1,200	$0	$1,200
MCPOCG VINCE W PATTON	DIRECTOR	1.0	Director	$1,200	$0	$1,200
RHONDA L BUTLER	VICE PRESIDENT AND COO	40.0	Officer	$180,064	$168,424	$353,288
VERNON L BRANSON	VICE PRESIDENT, INFO TECH	40.0	Officer	$81,774	$2,823	$84,597
VICTORIA S DIAMOND	VICE PRESIDENT AND CFO	40.0	Officer	$204,594	$2,346	$211,740
ANNETTE R HOLBERT	DIRECTOR OF IT	40.0	Highest	$109,357	$61,084	$170,441
PAMELA K OYLER	SENIOR DIRECTOR OF BUSINESS DEVELOPMENT	40.0	Highest	$107,438	$67,958	$175,396

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	$5,520,962	$5,011,841	$9,786,179	$509,121
2024	$5,468,522	$4,711,496	$10,045,073	$757,026
2023	$5,490,906	$4,634,608	$9,035,635	$856,298
2022	$5,960,710	$4,498,415	$8,416,028	$1,462,295
2021	$6,215,178	$6,185,357	$7,635,880	$29,821
2020	$6,274,516	$5,888,865	$7,829,837	$385,651
2019	$6,440,119	$5,643,321	$8,303,882	$796,798
2018	$39,958,048	$45,181,738	$6,902,065	$-5,223,690

UNIFORMED SERVICES BENEFIT ASSOCIATION