UNITED FOOD & COMMERICAL WORKERS UNIONS & EMPLOYERS HEALTH & WELFARE FUND (EIN 586041908) - 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

1964

Legal Domicile

Principal Officer

ERIC TAYLOR

Phone

7709979910

Tax Period

2024-05-01 to 2025-04-30

UNITED FOOD & COMMERICAL WORKERS UNIONS & EMPLOYERS HEALTH & WELFARE FUND, founded in 1964, is a major nonprofit that reported $210.3M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $189.8M left a modest 10% surplus.

Mission

TO PROVIDE HEALTH & WELFARE BENEFITS TO PARTICIPANTS.

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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 $199,603,046

Investment Income $1,427,715

Other Revenue $9,316,541

TOTAL REVENUE $210,347,302

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,008,146

TOTAL EXPENSES $189,779,389

Year-over-Year Comparison

	2024	2023	Change
Revenue	$210,347,302	$177,677,170	+0.2%
Expenses	$189,779,389	$164,965,733	+0.2%
Net Income	$20,567,913	$12,711,437	+0.6%

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

Total Directors

$694,281

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERIC TAYLOR	CHAIRMAN	1.00	Director	$0	$0	$324,196
MARIA DAVENPORT	UNION TRUSTEE	1.00	Director	$0	$0	$217,042
ERIC LOMAX	UNION TRUSTEE	1.00	Director	$0	$0	$153,043
PEGGY PRESCOTT	SECRETARY	2.00	Director	$0	$0	$0
HENRY TAYLOR	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
LEE KUNSELMAN	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
KAREN HILL	ALTERNATE UNION TRUSTEE	1.00	Director	$0	$0	$0
W BRANDON HOPKINS	UNION TRUSTEE	1.00	Director	$0	$0	$0
REBECCA CLARK	EMPLOYER 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
2025	$210,347,302	$189,779,389	$72,174,364	$20,567,913
2024	$177,677,170	$164,965,733	$49,159,983	$12,711,437
2023	$115,647,717	$110,159,874	$43,019,694	$5,487,843
2023	$115,647,717	$110,159,874	$43,019,694	$5,487,843
2022	$98,333,248	$94,461,040	$37,544,211	$3,872,208
2021	$102,095,274	$90,197,177	$33,826,412	$11,898,097
2020	$93,173,082	$89,935,872	$21,429,186	$3,237,210
2019	$93,603,034	$102,215,365	$18,653,997	$-8,612,331
2018	$87,108,542	$89,611,175	$27,099,831	$-2,502,633
2018	$87,108,542	$89,611,175	$27,099,831	$-2,502,633

UNITED FOOD & COMMERICAL WORKERS UNIONS & EMPLOYERS HEALTH & WELFARE FUND