GROUP UNDERWRITERS ASSOCIATION OF AMERICA (EIN 593178990) - 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

1975

Legal Domicile

Principal Officer

MIRIAM KAUFMAN

Phone

3126360089

Tax Period

2024-01-01 to 2024-12-31

GROUP UNDERWRITERS ASSOCIATION OF AMERICA INC, founded in 1975, is a small nonprofit that reported $171K in total revenue in fiscal year 2018. Expenses of $155K left a modest 10% surplus.

Mission

PROMOTING THE COMMON BUSINESS INTERESTS AND IMPROVING THE BUSINESS CONDITIONS OF PERSONS ENGAGED IN THE BUSINESS OF UNDERWRITING GROUP LIFE AND HEALTH BENEFIT PLANS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $150,931

Investment Income $11,822

Other Revenue $0

TOTAL REVENUE $162,753

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $112,176

Other Expenses $112,176

TOTAL EXPENSES $112,176

Year-over-Year Comparison

	2024	2023	Change
Revenue	$162,753	$178,590	-0.1%
Expenses	$112,176	$207,964	-0.5%
Net Income	$50,577	$-29,374	-2.7%

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
NATHAN SCHWARTZ	PRESIDENT	1.00	Officer Director	$0	$0	$0
MATT CLARK	PAST PRESIDENT	1.00	Director	$0	$0	$0
CHRISTOPHER HOWLEY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MIRIAM KAUFMAN	TREASURER	1.00	Officer Director	$0	$0	$0
CHELSEA WILD	ASSISTANT TREASURER	1.00	Director	$0	$0	$0
LAURA CARREAU	SECRETARY	1.00	Officer Director	$0	$0	$0
MIKE ANDERSON	COMMUNICATIONS DIRECTOR	1.00	Director	$0	$0	$0
GWEN STOVEKEN	CO-PROGRAMMING CHAIR	1.00	Director	$0	$0	$0
JUDY BUCZEK	CO-PROGRAMMING CHAIR	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	$162,753	$112,176	$429,623	$50,577
2023	$178,590	$207,964	$379,046	$-29,374
2022	$143,907	$133,057	$408,420	$10,850
2021	$198,290	$60,485	$397,570	$137,805
2020	$38,910	$120,835	$259,765	$-81,925
2019	$199,225	$145,781	$341,690	$53,444
2018	$171,436	$154,530	$288,246	$16,906

GROUP UNDERWRITERS ASSOCIATION OF AMERICA