United Association Employers Group Insurance Fund 13
United Association Employers Group Insurance Fund 13 shows consistent asset growth and no officer compensation over the past decade.
EIN: 160766976 · Rochester, NY · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $69.9M |
| Total Expenses | $14.6M |
| Program Spending | 90% |
| CEO/Top Officer Pay | $69,901,986, |
| Net Assets | $62.2M |
| Transparency Score | 90/100 |
Is United Association Employers Group Insurance Fund 13 Legit?
Appears Legitimate
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
United Association Employers Group Insurance Fund 13 directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About United Association Employers Group Insurance Fund 13
United Association Employers Group Insurance Fund 13 (EIN: 160766976) is a nonprofit organization based in Rochester, NY. The organization reported total revenue of $69.9M and total assets of $67.2M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of United Association Employers Group Insurance Fund 13's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
United Association Employers Group Insurance Fund 13 is a major nonprofit that has been operating for 60 years, with 14 years of IRS 990 filings on record (2010–2023). Revenue has grown at a compound annual rate of 3.2%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $14.3M |
| Total Expenses | $14.6M |
| Surplus / Deficit | $-270,707 |
| Total Assets | $63.4M |
| Total Liabilities | $1.2M |
| Net Assets | $62.2M |
| Operating Margin | -1.9% |
| Debt-to-Asset Ratio | 1.9% |
| Months of Reserves | 52.1 months |
Financial Health Grade: B
In 2023, United Association Employers Group Insurance Fund 13 reported a deficit of $271K with expenses exceeding revenue, holds 52.1 months of operating reserves (strong position), has a debt-to-asset ratio of 1.9% (very low leverage).
Financial Trends
Over 14 years of filings (2010–2023), United Association Employers Group Insurance Fund 13's revenue has grown at a compound annual growth rate (CAGR) of 3.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +3.0% | +12.4% | +9.9% |
| 2022 | -24.8% | +8.0% | -12.8% |
| 2021 | +5.2% | +10.6% | +8.9% |
| 2020 | +9.4% | -5.8% | +16.9% |
| 2019 | +11.3% | +3.5% | +24.0% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1966 |
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 United Association Employers Group Insurance Fund 13 with a Mission Score of 90 out of 100 (Excellent). 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, United Association Employers Group Insurance Fund 13 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 $271K, with expenses exceeding revenue.
- Debt-to-asset ratio: 1.9%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that no compensation is paid to officers, which is highly unusual for an organization of this size (latest revenue $69,901,986, assets $67,218,181) and suggests a strong commitment to minimizing administrative overhead.
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.
Strengths
The following positive indicators were identified for United Association Employers Group Insurance Fund 13:
- Consistent asset growth: Assets increased from $32,054,816 in 2014 to $63,430,418 in 2023.
- Zero officer compensation: All filings report 0% officer compensation, indicating high efficiency and focus on mission.
- Strong solvency: Liabilities are consistently low relative to assets, with a 2023 asset-to-liability ratio of 52.5:1.
- Stable financial operations: Expenses are generally well-managed relative to revenue over the long term.
Frequently Asked Questions about United Association Employers Group Insurance Fund 13
Is United Association Employers Group Insurance Fund 13 a legitimate charity?
United Association Employers Group Insurance Fund 13 (EIN: 160766976) is a registered tax-exempt nonprofit based in New York. Our AI analysis gives it a Mission Score of 90/100. It has 14 years of IRS 990 filings on record. Total revenue: $69.9M. No red flags identified. 4 strengths noted. Financial health grade: B.
How does United Association Employers Group Insurance Fund 13 spend its money?
United Association Employers Group Insurance Fund 13 directs 90% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to United Association Employers Group Insurance Fund 13 tax-deductible?
United Association Employers Group Insurance Fund 13 is registered as a tax-exempt nonprofit (EIN: 160766976). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the United Association Employers Group Insurance Fund 13 CEO make?
United Association Employers Group Insurance Fund 13's highest-compensated officer earns $69,901,986, annually. The organization reported $69.9M in total revenue. Executive compensation data is disclosed in IRS 990 filings.
Where is United Association Employers Group Insurance Fund 13 located?
United Association Employers Group Insurance Fund 13 is headquartered in Rochester, New York and files with the IRS under EIN 160766976.
How many years of IRS 990 filings does United Association Employers Group Insurance Fund 13 have?
United Association Employers Group Insurance Fund 13 has 14 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 $69.9M in total revenue.
Is United Association Employers Group Insurance Fund 13 financially stable?
Yes, the organization appears financially stable. Its assets have consistently grown from $32,054,816 in 2014 to $63,430,418 in 2023, and liabilities remain low relative to assets.
Does this organization pay its officers?
No, the IRS 990 filings consistently report 0% officer compensation across all available periods, indicating no salaries or benefits are paid to its officers.
How has the organization's revenue trended over the last few years?
Revenue has fluctuated but generally remained strong, with $14,338,038 in 2023, $13,917,154 in 2022, and a peak of $18,497,076 in 2021.
What is the organization's asset-to-liability ratio?
In 2023, the organization had assets of $63,430,418 and liabilities of $1,207,765, resulting in a very strong asset-to-liability ratio of approximately 52.5 to 1, indicating excellent solvency.
Filing History
IRS 990 filing history for United Association Employers Group Insurance Fund 13 showing financial trends over 14 years of public records:
Over 14 years of IRS 990 filings (2010–2023), United Association Employers Group Insurance Fund 13's revenue has grown by 50.9%, moving from $9.5M to $14.3M. Total assets increased by 195.1% over the same period, from $21.5M to $63.4M. Total functional expenses rose by 96.1%, from $7.5M to $14.6M. In its most recent filing year (2023), United Association Employers Group Insurance Fund 13 reported a deficit of $271K, with expenses exceeding revenue. The organization holds $1.2M in liabilities against $63.4M in assets (debt-to-asset ratio: 1.9%), resulting in net assets of $62.2M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $14.3M | $14.6M | $63.4M | $1.2M | — | — |
| 2022 | $13.9M | $13.0M | $57.7M | $733K | — | — |
| 2021 | $18.5M | $12.0M | $66.2M | $884K | — | View 990 |
| 2020 | $17.6M | $10.9M | $60.8M | $1.6M | — | — |
| 2019 | $16.1M | $11.6M | $52.0M | $1.8M | — | View 990 |
| 2018 | $14.5M | $11.2M | $41.9M | $1.3M | — | View 990 |
| 2017 | $13.6M | $10.5M | $40.1M | $925K | — | View 990 |
| 2016 | $11.5M | $9.6M | $35.0M | $753K | — | View 990 |
| 2015 | $10.4M | $8.9M | $32.3M | $697K | — | View 990 |
| 2014 | $12.5M | $8.5M | $32.1M | $762K | — | View 990 |
| 2013 | $10.3M | $8.7M | $28.9M | $716K | — | View 990 |
| 2012 | $9.7M | $7.8M | $26.2M | $948K | — | View 990 |
| 2011 | $9.7M | $7.6M | $23.2M | $240K | — | View 990 |
| 2010 | $9.5M | $7.5M | $21.5M | $143K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $14.3M, expenses of $14.6M, and assets of $63.4M (revenue +3.0% year-over-year).
- 2022: Revenue of $13.9M, expenses of $13.0M, and assets of $57.7M (revenue -24.8% year-over-year).
- 2021: Revenue of $18.5M, expenses of $12.0M, and assets of $66.2M (revenue +5.2% year-over-year).
- 2020: Revenue of $17.6M, expenses of $10.9M, and assets of $60.8M (revenue +9.4% year-over-year).
- 2019: Revenue of $16.1M, expenses of $11.6M, and assets of $52.0M (revenue +11.3% year-over-year).
- 2018: Revenue of $14.5M, expenses of $11.2M, and assets of $41.9M (revenue +6.3% year-over-year).
- 2017: Revenue of $13.6M, expenses of $10.5M, and assets of $40.1M (revenue +18.3% year-over-year).
- 2016: Revenue of $11.5M, expenses of $9.6M, and assets of $35.0M (revenue +10.5% year-over-year).
- 2015: Revenue of $10.4M, expenses of $8.9M, and assets of $32.3M (revenue -17.1% year-over-year).
- 2014: Revenue of $12.5M, expenses of $8.5M, and assets of $32.1M (revenue +21.7% year-over-year).
- 2013: Revenue of $10.3M, expenses of $8.7M, and assets of $28.9M (revenue +6.6% year-over-year).
- 2012: Revenue of $9.7M, expenses of $7.8M, and assets of $26.2M (revenue +-0.0% year-over-year).
- 2011: Revenue of $9.7M, expenses of $7.6M, and assets of $23.2M (revenue +1.8% year-over-year).
- 2010: Revenue of $9.5M, expenses of $7.5M, and assets of $21.5M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for United Association Employers Group Insurance Fund 13:
Data Sources and Methodology
This transparency report for United Association Employers Group Insurance Fund 13 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.