UNITED FOOD AND COMMERCIAL WORKERS UNIONS AND CONTRIBUTING EMPLOYERS LEGAL BENEFITS FUND (EIN 521228768) - 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

1980

Legal Domicile

Principal Officer

THOMAS HIPKINS

Phone

4106836500

Tax Period

2023-01-01 to 2023-12-31

UNITED FOOD AND COMMERCIAL WORKERS UNIONS AND CONTRIBUTING EMPLOYERS LEGAL BENEFITS FUND, founded in 1980, is a small nonprofit that reported $205K in total revenue in fiscal year 2023.

Mission

A MULTIEMPLOYER BENEFIT FUND ESTABLISHED BY UFCW INT'L UNION, UFCW LOCALS 27 & 400 AND PARTICIPATING EMPLOYERS TO PROVIDE LEGAL SERVICES TO ELIGIBLE PARTICIPANTS & BENEFICIARIES.

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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 $204,331

Investment Income $340

Other Revenue $0

TOTAL REVENUE $204,671

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $43,525

TOTAL EXPENSES $199,810

Year-over-Year Comparison

	2023	2022	Change
Revenue	$204,671	$200,244	+0.0%
Expenses	$199,810	$197,740	+0.0%
Net Income	$4,861	$2,504	+0.9%

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

N/A

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

$306,420

Total Directors

$428,173

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Thomas Hipkins	UNION TRUSTEE/SECRETARY	1.0	Officer Director	$0	$32,695	$306,420
BERTHA MCKIVER	UNION TRUSTEE	1.0	Director	$0	$27,268	$121,753
William Seehafer	Employer Trustee/Chairperson	1.0	Officer Director	$0	$0	$0
Elizabeth M Fiergola	Employer Trustee	1.0	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
2024	No data	No data	No data	No data
2023	$204,671	$199,810	$36,434	$4,861
2022	$200,244	$197,740	$38,562	$2,504
2021	$190,286	$213,936	$38,671	$-23,650
2020	$221,397	$250,425	$50,117	$-29,028
2019	$350,875	$372,029	$115,370	$-21,154
2018	$409,225	$421,796	$129,818	$-12,571

UNITED FOOD AND COMMERCIAL WORKERS UNIONS AND CONTRIBUTING EMPLOYERS LEGAL BENEFITS FUND