UNITED COMMERCIAL TRAVELERS OF AMERICA (EIN 540413522) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1988

Legal Domicile

Tax Period

2023-04-01 to 2024-03-31

UNITED COMMERCIAL TRAVELERS OF AMERICA, founded in 1988, is a micro nonprofit that reported $5K in total revenue in fiscal year 2020. Revenue fell 61% from the prior year — a significant decline worth monitoring. Expenses of $6K exceeded revenue, resulting in a 15% operating deficit.

Mission

OUR MISSION IS TO HELP PEOPLE WITH INTELECTUAL DISABILITIES. TO PROVIDE SCHOLARSHIP AND DONATIONS TO VARIOUS LOCAL AND NATIONAL CHARITIES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $2,010

Program Service Revenue $0

Investment Income $2,051

Other Revenue $0

TOTAL REVENUE $4,061

Expense Breakdown

Grants Paid $4,050

Salaries & Benefits $3,383

Fundraising Expenses $0

Program Expenses $15,923

Other Expenses $8,490

TOTAL EXPENSES $15,923

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,061	N/A	N/A
Expenses	$15,923	N/A	N/A
Net Income	$-11,862	N/A	N/A

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

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
MARIE SNIDER	1136 HEATH AVE LYNCHBURG VA 2	15.00	Officer	$0	$0	$0
PRESTON SORRELLS	701 GOOSE HOLLOW DR FOREST VA	15.00	Officer	$0	$0	$0
RITA C FOUST	701 GOOSE HOLLOW DR FOREST VA	15.00	Officer	$0	$0	$0
HERMAN JONES	117 RICHESON DR LYNCHBURG VA	15.00	Officer	$0	$0	$0
KENNETH R SNIDER	1136 HEATH AVENUE LYNCHBURG V	15.00	Officer	$0	$0	$0
GLENN D FLINT JR	2917 SEDGEWICH DR LYNCHBURG V	15.00	Officer	$0	$0	$0
HENRY B ENOCHS JR	SECT TREASURER	20.00	Officer	$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	$4,061	$15,923	$150,384	$-11,862
2023	$4,322	$69,286	$110,091	$-64,964
2022	$161,520	$59,829	$166,040	$101,691
2021	$5,444	$6,271	$65,195	$-827

UNITED COMMERCIAL TRAVELERS OF AMERICA