ROCKY MOUNTAIN UFCW UNIONS & EMPLOYERS HEALTH BENEFIT FUND (EIN 846044454) - 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

1965

Legal Domicile

Principal Officer

MARTIN GARCIA

Phone

3034301118

Tax Period

2024-05-01 to 2025-04-30

ROCKY MOUNTAIN UFCW UNIONS & EMPLOYERS HEALTH BENEFIT FUND, founded in 1965, is a major nonprofit that reported $141.3M in total revenue in fiscal year 2024.

Mission

PROVIDE HEALTH 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 $139,627,109

Investment Income $1,640,379

Other Revenue $52,006

TOTAL REVENUE $141,319,494

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $7,240,970

TOTAL EXPENSES $138,627,914

Year-over-Year Comparison

	2024	2023	Change
Revenue	$141,319,494	$138,064,001	+0.0%
Expenses	$138,627,914	$126,895,699	+0.1%
Net Income	$2,691,580	$11,168,302	-0.8%

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

$990,652

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEROY WESTMORELAND	TRUSTEE - PAST	1.00	Director	$0	$0	$0
SEAN HAMMOND	TRUSTEE - PAST	1.00	Director	$0	$0	$0
BRENT BOHN	TRUSTEE	1.00	Director	$0	$0	$0
IAN ADAMS	TRUSTEE - NEW	1.00	Director	$0	$0	$0
HENRY B TAYLOR	TRUSTEE - NEW	1.00	Director	$0	$0	$0
KIM CORDOVA	TRUSTEE	1.00	Director	$0	$14,207	$258,392
MARTIN GARCIA	TRUSTEE	1.00	Director	$0	$12,393	$195,814
ADRIANA ESCOBAR	TRUSTEE - PAST	1.00	Director	$0	$3,992	$126,595
CHRISTINE ARELLANO	TRUSTEE	1.00	Director	$0	$12,393	$209,136
RAMON ZUNIGA	TRUSTEE - NEW	1.00	Director	$0	$12,393	$200,715

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	$141,319,494	$138,627,914	$55,738,373	$2,691,580
2024	$138,064,001	$126,895,699	$52,559,351	$11,168,302
2023	$131,349,671	$129,924,346	$41,712,920	$1,425,325
2022	$131,376,126	$128,090,952	$40,164,714	$3,285,174
2021	$129,468,155	$131,521,514	$37,244,117	$-2,053,359
2020	$123,277,766	$129,370,973	$40,352,739	$-6,093,207
2019	$117,911,186	$123,002,546	$45,762,361	$-5,091,360
2018	$123,210,688	$119,985,154	$50,511,678	$3,225,534

ROCKY MOUNTAIN UFCW UNIONS & EMPLOYERS HEALTH BENEFIT FUND