GALLO UNION HEALTH TRUST (EIN 946474308) - 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

1979

Legal Domicile

Principal Officer

ELIZABETH COTTEL

Phone

2093413024

Tax Period

2024-01-01 to 2024-12-31

GALLO UNION HEALTH TRUST, founded in 1979, is a mid-sized nonprofit that reported $17.3M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

THIS VEBA TRUST PROVIDES MEDICAL, HEALTHCARE & DENTAL BENEFITS TO ELIGIBLE EMPLOYEES AND THEIR ELIGIBLE DEPENDENTS IN ACCORDANCE WITH THE GALLO UNION HEALTH & GALLO GLASS CO. HOURLY GROUP DENTAL PLAN.

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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 $17,335,601

Investment Income $-25,768

Other Revenue $0

TOTAL REVENUE $17,309,833

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $382,267

TOTAL EXPENSES $18,597,116

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,309,833	$15,871,343	+0.1%
Expenses	$18,597,116	$15,676,657	+0.2%
Net Income	$-1,287,283	$194,686	-7.6%

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

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
ELIZABETH COTTEL	TRUSTEE	1.00	Director	$0	$0	$0
JEFF WILSON	TRUSTEE	1.00	Director	$0	$0	$0
DAVID PIERCE	SENIOR DIRECTOR	1.00	Officer	$0	$0	$0
ADRIENNE PALER	SENIOR MANAGER	4.00	Officer	$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	$17,309,833	$18,597,116	$19,629,434	$-1,287,283
2023	$15,871,343	$15,676,657	$18,985,959	$194,686
2022	$14,518,836	$16,358,881	$19,403,664	$-1,840,045
2021	$14,963,749	$13,397,128	$21,480,077	$1,566,621
2020	$11,743,947	$13,424,594	$21,171,388	$-1,680,647
2019	$12,622,173	$12,073,148	$21,521,633	$549,025
2018	$14,046,091	$13,884,651	$20,141,982	$161,440

GALLO UNION HEALTH TRUST