NORTHERN CALIFORNIA UFCW WHOLESALE HEALTH AND WELFARE TRUST FUND (EIN 943218766) - 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

1995

Legal Domicile

Principal Officer

RICK A SILVA

Phone

8005522400

Tax Period

2023-07-01 to 2024-06-30

NORTHERN CALIFORNIA UFCW WHOLESALE HEALTH AND WELFARE TRUST FUND, founded in 1995, is a community nonprofit that reported $5.6M in total revenue in fiscal year 2023. Expenses of $5.2M left a modest 7% surplus.

Mission

HEALTH AND WELFARE BENEFITS TO ELIGIBLE PARTICIPANTS.

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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 $5,402,376

Investment Income $205,758

Other Revenue $0

TOTAL REVENUE $5,608,134

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $436,928

TOTAL EXPENSES $5,238,617

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,608,134	$5,469,218	+0.0%
Expenses	$5,238,617	$5,096,247	+0.0%
Net Income	$369,517	$372,971	0.0%

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

N/A

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

$72,000

Total Directors

$249,981

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROSEMARY MUCKLOW	CHAIR	5.00	Officer Director	$0	$0	$0
JIM BEARD	TRUSTEE	5.00	Director	$0	$0	$0
MIKE FURSMAN	CO-CHAIR	5.00	Officer Director	$0	$0	$72,000
JOHN BUENO	TRUSTEE	5.00	Director	$0	$1,541	$38,177
JAMES CORTEZ	TRUSTEE	5.00	Director	$0	$20,030	$139,804

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	$5,608,134	$5,238,617	$5,891,046	$369,517
2023	$5,469,218	$5,096,247	$5,356,371	$372,971
2022	$5,482,594	$5,022,208	$4,961,271	$460,386
2021	$5,628,031	$5,377,328	$4,884,454	$250,703
2020	$5,852,077	$5,628,467	$4,517,494	$223,610
2019	$6,310,596	$5,788,089	$4,381,480	$522,507
2018	$6,313,692	$6,444,030	$3,770,085	$-130,338

NORTHERN CALIFORNIA UFCW WHOLESALE HEALTH AND WELFARE TRUST FUND