Unitarian Universalist Associationemployee Benefits Trust
Unitarian Universalist Association Employee Benefits Trust consistently spends more than it earns, drawing down assets.
EIN: 208079417 · Boston, MA · NTEE: Y43 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $18.2M |
| Total Expenses | $16.2M |
| Program Spending | 90% |
| Net Assets | $3.4M |
| Transparency Score | 75/100 |
Is Unitarian Universalist Associationemployee Benefits Trust Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Unitarian Universalist Associationemployee Benefits Trust directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Unitarian Universalist Associationemployee Benefits Trust
Unitarian Universalist Associationemployee Benefits Trust (EIN: 208079417) is a nonprofit organization based in Boston, MA, classified under NTEE code Y43. The organization reported total revenue of $18.2M and total assets of $5.9M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Unitarian Universalist Associationemployee Benefits Trust's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Unitarian Universalist Associationemployee Benefits Trust is a large nonprofit that has been operating for 17 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 5.9%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $15.8M |
| Total Expenses | $16.2M |
| Surplus / Deficit | $-447,291 |
| Total Assets | $4.0M |
| Total Liabilities | $604K |
| Net Assets | $3.4M |
| Operating Margin | -2.8% |
| Debt-to-Asset Ratio | 15.2% |
| Months of Reserves | 2.9 months |
Financial Health Grade: C
In 2023, Unitarian Universalist Associationemployee Benefits Trust reported a deficit of $447K with expenses exceeding revenue, holds 2.9 months of operating reserves (limited), has a debt-to-asset ratio of 15.2% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), Unitarian Universalist Associationemployee Benefits Trust's revenue has grown at a compound annual growth rate (CAGR) of 5.9%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +0.7% | -3.2% | -14.6% |
| 2022 | +14.0% | +6.7% | -20.9% |
| 2021 | +5.2% | +12.6% | -20.6% |
| 2020 | +7.9% | +14.0% | -4.5% |
| 2019 | +4.0% | +19.8% | +3.0% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2009 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Unitarian Universalist Associationemployee Benefits Trust with a Mission Score of 75 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 90%
- fundraising: 0%
According to IRS 990 filings, Unitarian Universalist Associationemployee Benefits Trust allocates its expenses as follows: admin: 10%, programs: 90%, fundraising: 0%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $447K, with expenses exceeding revenue.
- Debt-to-asset ratio: 15.2%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that no salaries are paid to officers, which is a strong positive for financial efficiency and resource allocation.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Unitarian Universalist Associationemployee Benefits Trust's IRS 990 filings:
- 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
The following positive indicators were identified for Unitarian Universalist Associationemployee Benefits Trust:
- 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.
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) some concerns. Mission Score: 75/100. 2 red flags identified, 3 strengths noted.
How does Unitarian Universalist Associationemployee Benefits Trust spend its money?
Unitarian Universalist Associationemployee Benefits Trust directs 90% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Unitarian Universalist Associationemployee Benefits Trust tax-deductible?
Unitarian Universalist Associationemployee Benefits Trust is registered as a tax-exempt nonprofit (EIN: 208079417). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Unitarian Universalist Associationemployee Benefits Trust compare to similar nonprofits?
With a transparency score of 75/100 (Good), Unitarian Universalist Associationemployee Benefits Trust is above average for NTEE category Y43 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Unitarian Universalist Associationemployee Benefits Trust located?
Unitarian Universalist Associationemployee Benefits Trust is headquartered in Boston, Massachusetts and files with the IRS under EIN 208079417. It is classified under NTEE code Y43.
How many years of IRS 990 filings does Unitarian Universalist Associationemployee Benefits Trust have?
Unitarian Universalist Associationemployee Benefits Trust has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $18.2M in total revenue.
Is the Unitarian Universalist Association Employee Benefits Trust financially sustainable given its recurring deficits?
The trust has consistently reported expenses exceeding revenue in recent years (e.g., $16.2M expenses vs. $15.7M revenue in 202306). While it has a substantial asset base ($3.9M in 202306), this trend suggests a reliance on drawing down reserves, which is not sustainable long-term without adjustments to revenue or expenses.
How does the lack of officer compensation impact the organization's operations?
The consistent reporting of 0% officer compensation across all filings indicates that executive leadership is either unpaid or compensated through other means not reported as officer compensation. This significantly reduces administrative overhead related to executive salaries, allowing more funds to be directed towards the trust's primary purpose.
What is the trend in the organization's assets and liabilities?
Assets have generally decreased from a high of $7.7M in 201906 to $3.9M in 202306, while liabilities have fluctuated but remained relatively low compared to assets (e.g., $603K in 202306). The declining asset trend aligns with the recurring deficit spending.
Filing History
IRS 990 filing history for Unitarian Universalist Associationemployee Benefits Trust showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Unitarian Universalist Associationemployee Benefits Trust's revenue has grown by 98.9%, moving from $7.9M to $15.8M. Total assets decreased by 31.6% over the same period, from $5.8M to $4.0M. Total functional expenses rose by 174.6%, from $5.9M to $16.2M. In its most recent filing year (2023), Unitarian Universalist Associationemployee Benefits Trust reported a deficit of $447K, with expenses exceeding revenue. The organization holds $604K in liabilities against $4.0M in assets (debt-to-asset ratio: 15.2%), resulting in net assets of $3.4M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $15.8M | $16.2M | $4.0M | $604K | — | — |
| 2022 | $15.7M | $16.8M | $4.7M | $896K | — | View 990 |
| 2021 | $13.7M | $15.7M | $5.9M | $536K | — | View 990 |
| 2020 | $13.1M | $13.9M | $7.4M | $568K | — | — |
| 2019 | $12.1M | $12.2M | $7.8M | $222K | — | View 990 |
| 2018 | $11.6M | $10.2M | $7.5M | $162K | — | View 990 |
| 2017 | $11.1M | $9.0M | $6.3M | $338K | — | View 990 |
| 2016 | $10.8M | $11.5M | $4.9M | $1.1M | — | View 990 |
| 2015 | $10.3M | $10.6M | $4.8M | $247K | — | View 990 |
| 2014 | $9.8M | $9.8M | $5.5M | $620K | — | View 990 |
| 2013 | $9.1M | $9.6M | $5.2M | $299K | — | View 990 |
| 2012 | $8.5M | $8.4M | $5.9M | $616K | — | View 990 |
| 2011 | $7.9M | $5.9M | $5.8M | $674K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $15.8M, expenses of $16.2M, and assets of $4.0M (revenue +0.7% year-over-year).
- 2022: Revenue of $15.7M, expenses of $16.8M, and assets of $4.7M (revenue +14.0% year-over-year).
- 2021: Revenue of $13.7M, expenses of $15.7M, and assets of $5.9M (revenue +5.2% year-over-year).
- 2020: Revenue of $13.1M, expenses of $13.9M, and assets of $7.4M (revenue +7.9% year-over-year).
- 2019: Revenue of $12.1M, expenses of $12.2M, and assets of $7.8M (revenue +4.0% year-over-year).
- 2018: Revenue of $11.6M, expenses of $10.2M, and assets of $7.5M (revenue +5.1% year-over-year).
- 2017: Revenue of $11.1M, expenses of $9.0M, and assets of $6.3M (revenue +3.0% year-over-year).
- 2016: Revenue of $10.8M, expenses of $11.5M, and assets of $4.9M (revenue +4.7% year-over-year).
- 2015: Revenue of $10.3M, expenses of $10.6M, and assets of $4.8M (revenue +4.7% year-over-year).
- 2014: Revenue of $9.8M, expenses of $9.8M, and assets of $5.5M (revenue +7.3% year-over-year).
- 2013: Revenue of $9.1M, expenses of $9.6M, and assets of $5.2M (revenue +7.0% year-over-year).
- 2012: Revenue of $8.5M, expenses of $8.4M, and assets of $5.9M (revenue +7.8% year-over-year).
- 2011: Revenue of $7.9M, expenses of $5.9M, and assets of $5.8M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Unitarian Universalist Associationemployee Benefits Trust:
Data Sources and Methodology
This transparency report for Unitarian Universalist Associationemployee Benefits Trust is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.