UNITED FOOD AND COMMERCIAL WORKERS WELFARE TRUST (EIN 916049498) - 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

1963

Legal Domicile

Principal Officer

ERIC RENNER

Phone

5095340600

Tax Period

2024-05-01 to 2025-04-30

UNITED FOOD AND COMMERCIAL WORKERS WELFARE TRUST, founded in 1963, is a mid-sized nonprofit that reported $33.3M in total revenue in fiscal year 2024. Revenue fell 27% from the prior year — a significant decline worth monitoring. Expenses of $44.6M exceeded revenue, resulting in a 34% operating deficit.

Mission

PROVIDE A HEALTH AND WELFARE PLAN TO THE UNITED FOOD AND COMMERCIAL WORKERS UNION PURSUANT TO A COLLECTIVE BARGAINING AGREEMENT.

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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 $31,762,327

Investment Income $1,519,913

Other Revenue $0

TOTAL REVENUE $33,282,240

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,569,968

TOTAL EXPENSES $44,599,467

Year-over-Year Comparison

	2024	2023	Change
Revenue	$33,282,240	$45,880,832	-0.3%
Expenses	$44,599,467	$42,393,699	+0.1%
Net Income	$-11,317,227	$3,487,133	-4.2%

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

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
ERIC RENNER	CHAIRMAN	2.00	Officer Director	$0	$0	$0
SCOTT POWERS	SECRETARY	2.00	Officer Director	$0	$0	$0
BRENT BOHN	TRUSTEE	2.00	Director	$0	$0	$0
SCOTT HABENICHT	TRUSTEE	2.00	Director	$0	$0	$0
CRAIG CUDE	TRUSTEE	2.00	Director	$0	$0	$0
FAYE GUENTHER	TRUSTEE	2.00	Director	$0	$0	$0
YVONNE PETERS	TRUSTEE	2.00	Director	$0	$0	$0
JOE MIZRAHI	TRUSTEE	2.00	Director	$0	$0	$0
MARIA MILLIRON	TRUSTEE	2.00	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	$33,282,240	$44,599,467	$46,694,348	$-11,317,227
2024	$45,880,832	$42,393,699	$55,937,105	$3,487,133
2023	$44,565,836	$41,003,394	$51,706,017	$3,562,442
2022	$45,602,470	$40,975,934	$47,661,813	$4,626,536
2021	$48,514,630	$41,072,629	$45,040,678	$7,442,001
2020	$45,815,985	$39,926,887	$36,277,515	$5,889,098
2019	$44,106,368	$40,885,965	$29,971,596	$3,220,403
2018	$41,841,252	$41,932,685	$25,829,826	$-91,433

UNITED FOOD AND COMMERCIAL WORKERS WELFARE TRUST