Consistent deficit spending (expenses exceeding revenue) in recent years, e.g., $16.2M expenses vs. $15.7M revenue in 202306.
Declining asset base from $7.7M in 201906 to $3.9M in 202306, indicating a draw on reserves.
Strengths
Zero reported officer compensation across all filings, indicating high efficiency in executive overhead.
Consistent revenue generation, with latest revenue at $18.2M.
Low liabilities relative to assets, suggesting good financial control over obligations.
Spending Breakdown
How Unitarian Universalist Associationemployee Benefits Trust allocates its funds across programs, administration, and fundraising.
90%
Program Spending
Healthy — majority goes to mission
10%
Admin Costs
Reasonable — admin costs in check
0%
Fundraising
Within typical range
How to read this: Well-run charities typically spend 75% or more on programs, keep admin under 25%, and fundraising under 15%. A high program ratio means more of every dollar goes directly to the mission.
How to Interpret This Report
What Red Flags Mean
Red flags are potential warning signs identified by AI analysis of IRS 990 filings. They may indicate issues like declining revenue, high executive pay relative to program spending, lack of transparency, or governance concerns. A single red flag does not necessarily mean an organization is untrustworthy, but multiple flags warrant further investigation before donating.
What Mission Score Measures
The Mission Score (0-100) evaluates how effectively a nonprofit fulfills its stated purpose. It combines multiple factors: program spending efficiency (how much goes to programs vs. overhead), financial health and sustainability, governance quality, transparency in reporting, and consistency of operations over time. A score of 70+ indicates strong alignment with the organization’s mission.
Using This Data for Donation Decisions
Use this report as one input in your decision. Look at the overall Mission Score for a quick assessment, review red flags and strengths for specific concerns, check the spending breakdown to see where money goes, and compare executive compensation to the organization’s size. Consider viewing the full transparency report for deeper analysis, and always verify tax-exempt status with the IRS before making large donations.
Frequently Asked Questions about Unitarian Universalist Associationemployee Benefits Trust
Is Unitarian Universalist Associationemployee Benefits Trust a legitimate charity?
Based on AI analysis of IRS 990 filings, Unitarian Universalist Associationemployee Benefits Trust (EIN: 208079417) appears trustworthy. Mission Score: 75/100. 2 red flags identified, 3 strengths noted.
Is Unitarian Universalist Associationemployee Benefits Trust a good charity to donate to?
Unitarian Universalist Associationemployee Benefits Trust has a Mission Score of 75/100. Revenue: $18.2M. Assets: $5.9M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Unitarian Universalist Associationemployee Benefits Trust?
The Employer Identification Number (EIN) for Unitarian Universalist Associationemployee Benefits Trust is 208079417. This is the unique tax ID assigned by the IRS.
What is a Mission Score?
The Mission Score is a 0-100 rating that measures how effectively a nonprofit fulfills its stated mission. It factors in program spending efficiency, financial transparency, governance practices, and outcome reporting. Scores above 70 indicate strong mission alignment, 40-69 suggest mixed performance, and below 40 signals potential concerns.
How does Unitarian Universalist Associationemployee Benefits Trust spend its money?
Unitarian Universalist Associationemployee Benefits Trust allocates 90% to programs, 10% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Unitarian Universalist Associationemployee Benefits Trust's tax-exempt status?
You can verify Unitarian Universalist Associationemployee Benefits Trust's tax-exempt status using EIN 208079417 on the IRS Tax Exempt Organization Search (TEOS) at apps.irs.gov/app/eos. You can also request copies of their Form 990 directly from the organization, as they are required by law to provide them upon request.
AI Transparency Report
The Unitarian Universalist Association Employee Benefits Trust demonstrates consistent financial activity, primarily focused on managing employee benefits. Over the past several years, the organization's expenses have frequently exceeded its revenue, as seen in 202306 (Revenue $15.7M, Expenses $16.2M) and 202206 (Revenue $15.6M, Expenses $16.7M). This trend suggests that the trust may be drawing down on its assets or relying on prior period surpluses to cover current benefit outlays. While assets have fluctuated, they have generally decreased from a high of $7.7M in 201906 to $3.9M in 202306, indicating a potential long-term draw on reserves.
The organization's financial health appears stable enough to meet its obligations, given its consistent revenue streams and asset base, but the recurring deficit spending warrants attention. The absence of reported officer compensation across all filings is a positive indicator of efficient use of funds, as it suggests that the trust's administrative overhead for executive salaries is minimal or non-existent. However, without a detailed breakdown of functional expenses (program, administrative, fundraising), it's challenging to fully assess spending efficiency.
Transparency is generally good through its consistent 990 filings. The lack of officer compensation is a strong point for public trust. However, a more granular view of how expenses are categorized would enhance understanding of its operational efficiency and ensure that the majority of funds are directly supporting the trust's primary purpose of providing employee benefits.