GALLO UNION HEALTH TRUST

EIN: 946474308

MODESTO, CA

Total Revenue
$17,309,833
Total Expenses
$18,597,116
Total Assets
$19,629,434
Net Assets
$17,104,373
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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
CA
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

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

Program Service Accomplishments

Program 1

THE TRUST PROVIDES HEALTH BENEFITS TO PARTICIPANTS OF THE GALLO UNION HEALTH PLAN. THE TRUST ALLOWS ELIGIBLE PARTICIPANTS TO RECEIVE NEEDED HEALTHCARE BY PROVIDING SUCH PARTICIPANTS THE BENEFITS OF...

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THE TRUST PROVIDES HEALTH BENEFITS TO PARTICIPANTS OF THE GALLO UNION HEALTH PLAN. THE TRUST ALLOWS ELIGIBLE PARTICIPANTS TO RECEIVE NEEDED HEALTHCARE BY PROVIDING SUCH PARTICIPANTS THE BENEFITS OF REGULAR PREVENTATIVE HEALTH ASSESSMENTS AND MEDICAL TREATEMENTS FOR VARIOUS CONDITIONS. THE TRUST ALSO FACILITATES THE COMPANY'S ABILITY TO PROVIDE SUCH HEALTHCARE TO EMPLOYEES, RETIREES, THEIR DEPENDENTS, AND COBRA MEMBERS, BY COLLECTING CONTRIBUTIONS FROM THE COMPANY, EMPLOYEES, RETIREES AND COBRA MEMBERS, TO PAY INSURANCE PROVIDERS FOR CLAIMS PROCESSING AND ADMINISTRATIVE FEES.

Program 2

THE TRUST PROVIDES DENTAL BENEFITS TO PARTICIPANTS OF THE GALLO GLASS CO. HOURLY GROUP DENTAL PLAN. THE TRUST ALSO ALLOWS ELIGIBLE PARTICIPANTS TO RECEIVE NEEDED DENTAL CARE BY PROVIDING SUCH...

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THE TRUST PROVIDES DENTAL BENEFITS TO PARTICIPANTS OF THE GALLO GLASS CO. HOURLY GROUP DENTAL PLAN. THE TRUST ALSO ALLOWS ELIGIBLE PARTICIPANTS TO RECEIVE NEEDED DENTAL CARE BY PROVIDING SUCH PARTICIPANTS THE BENEFITS OF REGULAR PREVENTIVE DENTAL ASSESSMENTS AND DENTAL TREATMENTS FOR VARIOUS CONDITIONS. THE TRUST ALSO FACILITATES THE COMPANY'S ABILITY TO PROVIDE SUCH DENTAL CARE TO EMPLOYEES, RETIREES, THEIR DEPENDANTS, AND COBRA MEMBERS, BY COLLECTING CONTRIBUTIONS FROM THE COMPANY, EMPLOYEES,RETIREES AND COBRA MEMBERS, TO PAY INSURANCE PROVIDERS FOR CLAIMS PROCESSING AND ADMINISTRATIVE FEES.

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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%)

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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

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Governance

Voting Members
2
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
2
$0
Total Directors
2
$0
Key Employees
0
$0
Highest Compensated
0
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
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