BOSTON PLASTERERS' & CEMENT MASONS LOCAL 534 APPRENT & TRAIN FUND (EIN 046185862) - 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

1966

Legal Domicile

Principal Officer

PETER STRACUZZI

Phone

6178255200

Tax Period

2024-04-01 to 2025-03-31

BOSTON PLASTERERS' & CEMENT MASONS LOCAL 534 APPRENT & TRAIN FUND, founded in 1966, is a small nonprofit in the Employment sector that reported $569K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. The organization ran a surplus of $134K, a strong 24% operating margin.

Mission

TRAIN MEMBERS OF BOSTON PLASTERERS' & CEMENT MASONS' LOCAL 534 TO BECOME JOURNEYMEN CEMENT MASONS' & PLASTERERS'

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $528,276

Investment Income $40,612

Other Revenue $0

TOTAL REVENUE $568,888

Expense Breakdown

Grants Paid $0

Salaries & Benefits $171,007

Fundraising Expenses $0

Program Expenses $368,746

Other Expenses $264,017

TOTAL EXPENSES $435,024

Year-over-Year Comparison

	2024	2023	Change
Revenue	$568,888	$620,042	-0.1%
Expenses	$435,024	$407,377	+0.1%
Net Income	$133,864	$212,665	-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

Total Directors

$19,939

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERMIR RAMA	CO-SECRETARY	1.00	Director	$1,304	$5,042	$10,921
VICTORIA SAAR	TRUSTEE	1.00	Director	$590	$4,173	$9,018
STEPHEN AFFANATO	CHAIRMAN	1.00	Director	$0	$0	$0
MICHAEL FRIAS	TRUSTEE	1.00	Director	$0	$0	$0
JAMES MARGUERITE	CO-CHAIR	1.00	Director	$0	$0	$0
PETER STRACUZZI	SECRETARY TR	1.00	Officer	$0	$0	$0

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	$568,888	$435,024	$1,218,575	$133,864
2024	$620,042	$407,377	$1,084,536	$212,665
2023	$591,867	$369,364	$872,104	$222,503
2022	$442,363	$388,535	$624,930	$53,828
2021	$364,078	$367,542	$614,174	$-3,464
2020	$410,293	$339,707	$598,165	$70,586
2019	$429,299	$317,444	$530,122	$111,855

BOSTON PLASTERERS' & CEMENT MASONS LOCAL 534 APPRENT & TRAIN FUND