UNITED CHURCH INSURANCE ASSOCIATION (EIN 942966836) - 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

1985

Legal Domicile

Principal Officer

TIMOTHY S HARRIS

Phone

2167363238

Tax Period

2023-01-01 to 2023-12-31

UNITED CHURCH INSURANCE ASSOCIATION, founded in 1985, is a mid-sized nonprofit in the Mutual Benefit sector that reported $79.2M in total revenue in fiscal year 2023. Expenses of $72.3M left a modest 9% surplus.

Mission

SUPPORT AND PROTECT CHURCHES AND RELATED CHURCH MINISTRIES BY OFFERING SUPERIOR PROPERTY AND CASUALTY INSURANCE AND RISK MANAGEMENT SERVICES

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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 $76,889,803

Investment Income $297,248

Other Revenue $2,000,000

TOTAL REVENUE $79,187,051

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,071,472

Fundraising Expenses $0

Program Expenses $70,842,243

Other Expenses $68,228,202

TOTAL EXPENSES $72,299,674

Year-over-Year Comparison

	2023	2022	Change
Revenue	$79,187,051	$75,130,237	+0.1%
Expenses	$72,299,674	$72,010,676	+0.0%
Net Income	$6,887,377	$3,119,561	+1.2%

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

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

$1,486,652

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT BRAUTIGAM	DIRECTOR	2.00	Director	$0	$0	$0
DAVID CRITTENDEN	DIRECTOR	2.00	Director	$0	$0	$0
THOMAS MITCHELL	DIRECTOR	2.00	Director	$0	$0	$0
JAMES MOOS	DIRECTOR	2.00	Director	$0	$0	$0
ERICK REISINGER	DIRECTOR	2.00	Director	$0	$0	$0
ALAN RELYEA	DIRECTOR	2.00	Director	$0	$0	$0
LATAUNYA BYNUM	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM WORLEY	DIRECTOR	2.00	Director	$0	$0	$0
JOYCE LIEBERMAN	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM WHITEHEAD	DIRECTOR	2.00	Director	$0	$0	$0
TERRY NEWLAND	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW BUNN	DIRECTOR	2.00	Director	$0	$0	$0
DIANE WEIBLE	DIRECTOR	2.00	Director	$0	$0	$0
SHANA JOHNSON	DIRECTOR	2.00	Director	$0	$0	$0
DAVID ACKERMAN	DIRECTOR	2.00	Director	$0	$0	$0
CRAIG HOWARD	DIRECTOR	2.00	Director	$0	$0	$0
HOWARD SEWELL	DIRECTOR	2.00	Director	$0	$0	$0
SUSAN KRUMMEL	DIRECTOR	2.00	Director	$0	$0	$0
CONRAD ROCHA	DIRECTOR	2.00	Director	$0	$0	$0
PHIL HODSON	DIRECTOR	2.00	Director	$0	$0	$0
TIMOTHY HARRIS	PRESIDENT/ CEO	40.00	Officer	$490,316	$82,596	$572,912
ANDREA GAUDING	SR. VP/CFO	40.00	Officer	$286,297	$54,477	$340,774
FARNAZ BERNA	VP SALES & MARKETING	40.00	Officer	$228,183	$48,306	$276,489
JAMES HOWARD	V/P OPERATIONS	40.00	Officer	$232,288	$64,189	$296,477
JENNIFER PERRI	ASST V/P UCIS	40.00	Highest	$163,430	$52,933	$216,363

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	No data	No data	No data	No data
2023	$79,187,051	$72,299,674	$26,196,934	$6,887,377
2022	$75,130,237	$72,010,676	$14,999,464	$3,119,561
2021	$69,122,452	$66,907,835	$16,856,548	$2,214,617
2020	$58,608,349	$62,890,025	$8,814,037	$-4,281,676
2019	$52,782,468	$51,816,418	$17,229,584	$966,050

UNITED CHURCH INSURANCE ASSOCIATION