UMTA TRUST

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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

1950

Legal Domicile

Principal Officer

TARYN CHRISTISON

Phone

5032358363

Tax Period

2024-07-01 to 2025-06-30

UMTA TRUST, founded in 1950, is a mid-sized nonprofit that reported $17.1M in total revenue in fiscal year 2024. Revenue decreased 5% compared to the prior year. Net assets of $37.8M represent 27 months of operating reserves.

Mission

TO PROVIDE PARTICIPATING EMPLOYER'S EMPLOYEES WITH HEALTH, LIFE, AND DISABILITY BENEFITS.

Program Service Accomplishments

Program 1

PROVIDED DEATH, SICKNESS AND HOSPITALIZATION BENEFITS TO COVERED MEMBERS.

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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 $15,435,322

Investment Income $1,245,094

Other Revenue $375,696

TOTAL REVENUE $17,056,112

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,555,739

TOTAL EXPENSES $18,444,847

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,056,112	$18,005,075	-0.1%
Expenses	$18,444,847	$18,550,821	0.0%
Net Income	$-1,388,735	$-545,746	+1.5%

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
Martha Cox	Trustee	0.42	Director	$0	$0	$0
John Rudi	Trustee	0.3	Director	$0	$0	$0
MICHAEL FIORE	Trustee - EFF. 02/2025	0.3	Director	$0	$0	$0
Christina Blaser	Trustee	0.3	Director	$0	$0	$0
Taryn Christison	Trustee	0.3	Director	$0	$0	$0
SEE SCH O FOR COMPENSATION	PAID BY RELATED ORGANIZATIONS.	0.0	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	$17,056,112	$18,444,847	$43,032,046	$-1,388,735
2024	$18,005,075	$18,550,821	$39,895,094	$-545,746
2023	$16,433,080	$17,350,162	$38,905,735	$-917,082
2022	$20,076,101	$20,412,819	$40,189,293	$-336,718
2021	$22,031,571	$21,823,876	$45,622,593	$207,695
2020	$22,499,798	$21,811,332	$44,971,352	$688,466
2019	$23,599,226	$24,415,653	$43,298,392	$-816,427
2018	$22,791,093	$20,069,642	$41,665,551	$2,721,451