AMALGAMATED TRANSIT UNION 589 (EIN 041103405) - Form 990 Financial Analysis & Trantor Score

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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

1912

Legal Domicile

Phone

6175428212

Tax Period

2025-01-01 to 2025-12-31

AMALGAMATED TRANSIT UNION 589, founded in 1912, is a community nonprofit that reported $7.5M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.5M, a strong 20% operating margin.

Mission

To Promote the Ideals as Stated in the Constitution and Bylaws

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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%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,332,164

Investment Income $56,003

Other Revenue $133,933

TOTAL REVENUE $7,522,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,443,563

Fundraising Expenses $0

Program Expenses $5,734,509

Other Expenses $3,559,679

TOTAL EXPENSES $6,003,242

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,522,100	$6,756,398	+0.1%
Expenses	$6,003,242	$5,654,113	+0.1%
Net Income	$1,518,858	$1,102,285	+0.4%

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

Governance

Voting Members

Independent Members

N/A

Employees

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

$879,865

Total Directors

$1,816,713

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES M EVERS JR	President	40.00	Officer Director	$226,847	$0	$226,847
JAMES BRADLEY	Treasurer	40.00	Officer Director	$165,320	$0	$165,320
WILLIAM BERARDINO	Vice President	40.00	Officer Director	$164,519	$0	$164,519
WAYNE PEACOCK	REC SECRETARY	40.00	Officer Director	$163,658	$0	$163,658
KAREN MAXWELL	ASST SECRETARY	40.00	Officer Director	$159,521	$0	$159,521
JOSE CRUZ	DELEGATE	40.00	Director	$158,893	$0	$158,893
HERIBERTO CORA	DELEGATE	40.00	Director	$157,890	$0	$157,890
ROUDY JEAN	DELEGATE	40.00	Director	$157,628	$0	$157,628
JOHN MERSEREAU	DELEGATE	40.00	Director	$156,982	$0	$156,982
SCOTT PAGE	DELEGATE	40.00	Director	$153,859	$0	$153,859
HENRY DUNN	DELEGATE	40.00	Director	$151,596	$0	$151,596

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
2025	$7,522,100	$6,003,242	$3,451,936	$1,518,858
2024	$6,756,398	$5,654,113	$1,931,233	$1,102,285
2023	$5,399,835	$5,385,119	$824,918	$14,716
2022	$4,770,721	$5,415,600	$808,643	$-644,879
2021	$4,851,590	$4,828,253	$1,463,142	$23,337
2020	$4,501,885	$5,754,094	$1,430,185	$-1,252,209
2019	$4,659,287	$5,097,430	$2,689,288	$-438,143
2018	$4,636,436	$4,603,259	$3,120,537	$33,177

AMALGAMATED TRANSIT UNION 589