UBCJ OF AMERICA GENERAL OFFICE & STAFF HEALTH AND WELFARE PLAN (EIN 521911622) - 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

1995

Legal Domicile

Principal Officer

MICHAEL DRAPER

Phone

7024152180

Tax Period

2024-01-01 to 2024-12-31

UBCJ OF AMERICA GENERAL OFFICE & STAFF HEALTH AND WELFARE PLAN, founded in 1995, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2024. Net assets of $10.9M represent 25 months of operating reserves.

Mission

TO PROVIDE ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS MEDICAL, LIFE INSURANCE, AND OTHER BENEFITS.

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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 $4,684,714

Investment Income $353,083

Other Revenue $133,890

TOTAL REVENUE $5,171,687

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $366,247

TOTAL EXPENSES $5,545,918

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,171,687	$5,152,818	+0.0%
Expenses	$5,545,918	$5,313,534	+0.0%
Net Income	$-374,231	$-160,716	+1.3%

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

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
MICHAEL V DRAPER	TRUSTEE	1.00	Director	$0	$0	$0
DOUGLAS BANES	TRUSTEE	1.00	Director	$0	$0	$0
ANDRIS J SILINS	TRUSTEE	1.00	Director	$0	$0	$0
R PHIL NEWKIRK	TRUSTEE	1.00	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	$5,171,687	$5,545,918	$11,887,926	$-374,231
2023	$5,152,818	$5,313,534	$11,641,376	$-160,716
2022	$5,208,093	$5,263,714	$11,287,418	$-55,621
2021	$5,115,548	$4,931,990	$13,016,589	$183,558
2020	$5,269,244	$4,642,653	$12,713,558	$626,591
2019	$5,428,166	$5,541,106	$11,846,202	$-112,940
2018	$5,301,897	$6,020,879	$10,655,334	$-718,982

UBCJ OF AMERICA GENERAL OFFICE & STAFF HEALTH AND WELFARE PLAN