UNION RETIREMENT ASSOCIATION (EIN 930840517) - 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

1983

Legal Domicile

Principal Officer

DEAN E KIRKLAND

Phone

5032314922

Tax Period

2023-07-01 to 2024-06-30

UNION RETIREMENT ASSOCIATION, founded in 1983, is a community nonprofit in the Housing & Shelter sector that reported $1.3M in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $250K, a strong 19% operating margin.

Mission

PROVIDE AFFORDABLE HOUSING FOR ELDERLY AND OTHER LOW INCOME RESIDENTS

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,244,424

Investment Income $81,285

Other Revenue $0

TOTAL REVENUE $1,325,709

Expense Breakdown

Grants Paid $0

Salaries & Benefits $157,596

Fundraising Expenses $0

Program Expenses $1,075,328

Other Expenses $917,732

TOTAL EXPENSES $1,075,328

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,325,709	$1,227,503	+0.1%
Expenses	$1,075,328	$1,034,192	+0.0%
Net Income	$250,381	$193,311	+0.3%

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
DEAN E KIRKLAND	PRESIDENT	N/A	Officer Director	$0	$0	$0
KRISTIN KIRKLAND	EXEC VICE-PR	N/A	Officer Director	$0	$0	$0
DREW SIMPSON	VICE-PRESIDE	N/A	Director	$0	$0	$0
VICTORIA KIRKLAND	SECRETARY-TR	N/A	Officer Director	$0	$0	$0
EDWARD BARNES	DIRECTOR	N/A	Director	$0	$0	$0
JACK ROY	DIRECTOR	N/A	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	No data	No data	No data	No data
2024	$1,325,709	$1,075,328	$8,019,597	$250,381
2023	$1,227,503	$1,034,192	$7,889,655	$193,311
2022	$1,111,493	$935,085	$7,860,417	$176,408
2021	$1,074,965	$786,341	$1,601,597	$288,624
2020	$877,551	$737,841	$1,351,990	$139,710
2019	$822,130	$770,922	$1,264,292	$51,208

UNION RETIREMENT ASSOCIATION