Civic Intelligence

Union Mutual Medical Fund

EIN 22-2241328 • 501(c)9 • New York, NY

Profile

Welfare fund

111 John Street 450New York, NY 10038

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

65th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)9 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

76th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)9 • <$500k nonprofits • Source year 2024

Net Margin

18th percentile

-1293%

Higher net margin than 18% of similar nonprofits.

501(c)9 • <$500k nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

47th percentile

-56%

Faster asset growth than 47% of similar nonprofits.

501(c)9 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

-24%

Faster revenue growth than 49% of similar nonprofits.

501(c)9 • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Down

$375,693

Down $479,275 (-56%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$375,693

Down $479,275 (-56%) from 2023

Revenue

Down

$36,941

Down $11,890 (-24%) from 2023

Expenses

Up

$514,679

Up $13,612 (+2.7%) from 2023

Net Income

Down

-$477,738

Down $25,502 (-5.6%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2010: $5,931,517Liabilities 2010: $0Net Assets 2010: $5,931,5172010Assets 2011: $4,888,400Liabilities 2011: $0Net Assets 2011: $4,888,4002011Assets 2012: $3,866,534Liabilities 2012: $0Net Assets 2012: $3,866,5342012Assets 2013: $2,816,197Liabilities 2013: $0Net Assets 2013: $2,816,1972013Assets 2014: $1,775,772Liabilities 2014: $0Net Assets 2014: $1,775,7722014Assets 2015: $862,775Liabilities 2015: $0Net Assets 2015: $862,7752015Assets 2016: $342,867Liabilities 2016: $0Net Assets 2016: $342,8672016Assets 2017: $20,936Liabilities 2017: $0Net Assets 2017: $20,9362017Assets 2018: $2,986,344Liabilities 2018: $0Net Assets 2018: $2,986,3442018Assets 2019: $2,673,337Liabilities 2019: $0Net Assets 2019: $2,673,3372019Assets 2020: $2,243,361Liabilities 2020: $0Net Assets 2020: $2,243,3612020Assets 2021: $1,825,954Liabilities 2021: $0Net Assets 2021: $1,825,9542021Assets 2022: $1,299,384Liabilities 2022: $0Net Assets 2022: $1,299,3842022Assets 2023: $854,968Liabilities 2023: $0Net Assets 2023: $854,9682023Assets 2024: $375,693Liabilities 2024: $0Net Assets 2024: $375,6932024

Highlighted filing

2024

Assets$375,693
Liabilities$0
Net Assets$375,693

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$2.0M$0-$2.0MExpenses 2010: $1,418,2612010Expenses 2011: $1,283,3092011Expenses 2012: $1,257,3162012Revenue 2013: $182,151Expenses 2013: $1,296,429Net Income 2013: -$1,114,2782013Revenue 2014: $119,362Expenses 2014: $1,177,823Net Income 2014: -$1,058,4612014Revenue 2015: $60,426Expenses 2015: $968,401Net Income 2015: -$907,9752015Revenue 2016: $7,598Expenses 2016: $527,506Net Income 2016: -$519,9082016Revenue 2017: $4,855Expenses 2017: $326,786Net Income 2017: -$321,9312017Revenue 2018: $3,771,836Expenses 2018: $806,428Net Income 2018: $2,965,4082018Revenue 2019: $72,281Expenses 2019: $426,812Net Income 2019: -$354,5312019Revenue 2020: $71,016Expenses 2020: $516,563Net Income 2020: -$445,5472020Revenue 2021: $41,705Expenses 2021: $440,052Net Income 2021: -$398,3472021Revenue 2022: $2,649Expenses 2022: $492,474Net Income 2022: -$489,8252022Revenue 2023: $48,831Expenses 2023: $501,067Net Income 2023: -$452,2362023Revenue 2024: $36,941Expenses 2024: $514,679Net Income 2024: -$477,7382024

Highlighted filing

2024

Revenue$36,941
Expenses$514,679
Net Income-$477,738

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.38$0.00$0.38$0.04$0.51$0.48
2023Summary only. Only limited summary data is available for this year.$0.85$0.00$0.85$0.05$0.50$0.45
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.30$0.00$1.30$0.00$0.49$0.49
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.83$0.00$1.83$0.04$0.44$0.40
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.24$0.00$2.24$0.07$0.52$0.45
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.67$0.00$2.67$0.07$0.43$0.35
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.99$0.00$2.99$3.77$0.81$2.97
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.02$0.00$0.02$0.00$0.33$0.32
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.34$0.00$0.34$0.01$0.53$0.52
2015Detailed filing. Detailed filing data is available for this year.$0.86$0.00$0.86$0.06$0.97$0.91
2014Detailed filing. Detailed filing data is available for this year.$1.78$0.00$1.78$0.12$1.18$1.06
2013Detailed filing. Detailed filing data is available for this year.$2.82$0.00$2.82$0.18$1.30$1.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.87$0.00$3.87$1.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.89$0.00$4.89$1.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.93$0.00$5.93$1.42
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 7, 2025
Return Version
2024v5.2
Gross Receipts
$36,941
Mission and Program Overview

Mission

Welfare fund

Union Mutual Medical Fund pays medical, hospital, surgical, dental, and optical claims incurred by members of the Union Mutual Benefit Association. Benefits were provided for 227 participants.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$854,968$375,693▼ $479,275
Investments in Publicly Traded Securities$767,425$171,614▼ $595,811
Savings and Temporary Cash Investments$26,249$139,904▲ $113,655
Cash and Non-Interest-Bearing Accounts$61,294$64,175▲ $2,881
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$854,968$375,693▼ $479,275
Other Assets Total-$0-
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$854,968$375,693▼ $479,275
Total Liabilities and Net Assets / Fund Balance$854,968$375,693▼ $479,275
Compensation and Service Providers

Employees

NameTitleBaseTotal
Leon SilvermanTrustee$5,000$5,000
Louis FlacksTrustee$5,000$5,000
Paul BerkmanTrustee$5,000$5,000
Sylvia ParrTrustee$5,000$5,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$36,941
Other Revenue
$0
Change in Net Assets
$-477,738

Audited Revenue Reconciliation

Revenue per Audited Statements
$34,381
Revenue Not Reported on Financial Statements
$2,560
Revenue Not Reported on Form 990
$-1,537
Total Revenue per Audited Statements
$32,844
Total Revenue per Form 990
$36,941
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$213,218
Salaries, Compensation, and Employee Benefits$20,000
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$281,461--$281,461
Fees for Services Management-$96,621-$96,621
Fees for Services Accounting-$45,995-$45,995
Fees for Services Legal-$23,707-$23,707
Insurance-$23,124-$23,124
Current Officers, Directors, Trustees, and Key Employees$20,000--$20,000
Fees for Service Investment Mgmnt Fees-$2,560-$2,560
Other Expenses-$831-$831
Total Functional Expenses$301,461$213,218$0$514,679

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$514,679
Total Expenses per Audited Statements$514,679
Total Expenses per Form 990$514,679
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

Many functions, including the processing of members' claims have been delegated to a third-party administrator, Syntonic Systems, Inc.

Form 990, Part VI, Section B, Line 11B

The trustee signing the return discussed its contents with the return preparer and was satisfied that it had been prepared properly.

Form 990, Part VI, Section C, Line 19

Governing documents, policies, and financial statements are available upon written request to the Board of Trustees.

Filing and Contact Details

Filer

Filer Name
Union Mutual Medical Fund
EIN
22-2241328
Phone
2129898787
Address
111 John Street 450, New York, NY 10038

Signing Officer

Name
Sylvia Parr
Title
Trustee
Signed
2025-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sylvia Parr
Formed
1979
Legal Domicile
Ny
Voting Board Members
4
Independent Board Members
4
Employees
0

Preparer

Firm
Zelin & Associates CPA LLC
Address
555 8th Ave Ste 2203, New York, NY 10018
Preparer
Steven Zelin CPA
Phone
6466784496
Supplemental Narrative

Additional Explanations

Schedule R--Additional explanation

Union Mutual Medical Fund pays medical, hospital, surgical, dental, and optical claims incurred by members of the Union Mutual Benefit Association.

Financial Statement Notes

Part X : FIN48 Footnote

The Trust established under the Plan to hold the Plan's assets is intended to qualify pursuant to Section 501(c)(9) of the Internal Revenue Code (IRC), and, accordingly, the Trust's net investment income is exempt from income taxes. The Trust has obtained a favorable determination letter from the Internal Revenue Service and the Plan's Administrator and Trustees believe that the Trust, as amended, continues to qualify and to operate in compliance with the applicable provisions of the Internal Revenue Code. The preparation of financial statements on the modified cash basis of accounting requires plan management to evaluate tax positions taken by the Plan and disclose a tax liability (or asset), if the Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the federal taxing authorities. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The Plan's administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2024, there are no uncertain positions taken or expected to be taken that would require disclosure in the financial statements. In addition, the Plan's administrator believes it is no longer subject to income tax examinations for years prior to 2021.

Raw XML Appendix353 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncldAmt02560
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-1537
IRS990ScheduleD/RevenueNotReportedAmt0-1537
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt02560
IRS990ScheduleD/RevenueSubtotalAmt034381
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Trust established under the Plan to hold the Plan's assets is intended to qualify pursuant to Section 501(c)(9) of the Internal Revenue Code (IRC), and, accordingly, the Trust's net investment income is exempt from income taxes. The Trust has obtained a favorable determination letter from the Internal Revenue Service and the Plan's Administrator and Trustees believe that the Trust, as amended, continues to qualify and to operate in compliance with the applicable provisions of the Internal Revenue Code. The preparation of financial statements on the modified cash basis of accounting requires plan management to evaluate tax positions taken by the Plan and disclose a tax liability (or asset), if the Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the federal taxing authorities. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The Plan's administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2024, there are no uncertain positions taken or expected to be taken that would require disclosure in the financial statements. In addition, the Plan's administrator believes it is no longer subject to income tax examinations for years prior to 2021.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/TotalExpensesPerForm990Amt0514679
IRS990ScheduleD/TotalRevenuePerForm990Amt036941
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt032844
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0514679
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Many functions, including the processing of members' claims have been delegated to a third-party administrator, Syntonic Systems, Inc.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The trustee signing the return discussed its contents with the return preparer and was satisfied that it had been prepared properly.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Governing documents, policies, and financial statements are available upon written request to the Board of Trustees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Union Mutual Medical Fund pays medical, hospital, surgical, dental, and optical claims incurred by members of the Union Mutual Benefit Association.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Schedule R--Additional explanation
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IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingEntityName/BusinessNameLine1Txt0No
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0222615571
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C corp.
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0NJ
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0Member Organization
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0Union Mutual Benefit Association
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt082 North Summit Street
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0Tenafly
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0NJ
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd007670
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IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0854968
IRS990/TotalAssetsEOYAmt0375693
IRS990/TotalAssetsGrp/BOYAmt0854968
IRS990/TotalAssetsGrp/EOYAmt0375693
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0213218
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0301461
IRS990/TotalFunctionalExpensesGrp/TotalAmt0514679
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0854968
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0375693
IRS990/TotalProgramServiceExpensesAmt0281461
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt020000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt036941
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt036941
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0854968
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0375693
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0111 John Street 450
IRS990/USAddress/CityNm0New York
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd010038
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Sylvia Parr
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Trustee
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Union Mutual Medical Fund
ReturnHeader/Filer/BusinessNameControlTxt0UNIO
ReturnHeader/Filer/EIN0222241328
ReturnHeader/Filer/PhoneNum02129898787
ReturnHeader/Filer/USAddress/AddressLine1Txt0111 John Street 450
ReturnHeader/Filer/USAddress/CityNm0New York
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd010038
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0464721814
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Zelin & Associates CPA LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0555 8th Ave Ste 2203
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0New York
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd010018
ReturnHeader/PreparerPersonGrp/PhoneNum06466784496
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEVEN ZELIN CPA
ReturnHeader/ReturnTs02025-11-07T13:37:05-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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