United Policyholders (EIN 943162024) - 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

1991

Legal Domicile

Principal Officer

Amy Bach

Phone

4153939990

Tax Period

2023-01-01 to 2023-12-31

United Policyholders, founded in 1991, is a community nonprofit in the Unknown sector that reported $1.3M in total revenue in fiscal year 2023. Revenue fell 51% from the prior year — a significant decline worth monitoring. Expenses of $1.5M exceeded revenue, resulting in a 17% operating deficit.

Mission

United Policyholders ("UP") is a voice and an information resource for insurance consumers throughout the country. UP helps people make good decisions when buying insurance and filing insurance claims.

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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 $1,225,858

Program Service Revenue $31,500

Investment Income $40,188

Other Revenue $6,709

TOTAL REVENUE $1,304,255

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,102,564

Fundraising Expenses $85,419

Program Expenses $1,366,362

Other Expenses $429,084

TOTAL EXPENSES $1,531,648

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,304,255	$2,679,886	-0.5%
Expenses	$1,531,648	$1,225,805	+0.2%
Net Income	$-227,393	$1,454,081	-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

738

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

$217,524

Total Directors

$217,524

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Amy Bach	Exec Director	40.00	Officer Director	$191,135	$26,389	$217,524
Valerie Brown	Deputy Exec Dir	40.00		$137,311	$23,878	$161,189
Emily Rogan	Sr Prgm Officer	40.00		$104,081	$0	$104,081
Steve Falk	Director	1.00	Director	$0	$0	$0
Maureen Simons	Secretary/Dir	1.00	Director	$0	$0	$0
Norm Boone	Sect/Tres/Dir	2.00	Officer Director	$0	$0	$0
John Ellison	President/Dir	2.00	Officer Director	$0	$0	$0
Bill Hedden	Director	1.00	Director	$0	$0	$0
Christine Haskett	Director	1.00	Director	$0	$0	$0
Martin Kirkwood	Vice Pres/Dir	1.00	Officer Director	$0	$0	$0
Robert Muriel	Director	1.00	Director	$0	$0	$0
Doug Wertheimer	Director	1.00	Director	$0	$0	$0
Dan Veroff	Director	1.00	Director	$0	$0	$0
William Chip Merlin	Director	1.00	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
2024	No data	No data	No data	No data
2023	$1,304,255	$1,531,648	$2,480,993	$-227,393
2022	$2,679,886	$1,225,805	$2,663,279	$1,454,081
2021	$1,265,932	$1,192,369	$1,175,090	$73,563
2020	$897,321	$1,014,828	$1,199,888	$-117,507
2019	$1,023,985	$779,736	$1,194,810	$244,249
2018	$897,748	$661,659	$1,000,812	$236,089

United Policyholders