NATL ASSOC OF LETTER CARRIERS BRANCH 46 (EIN 046188849) - 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

1889

Legal Domicile

Phone

4137370640

Tax Period

2025-01-01 to 2025-12-31

NATL ASSOC OF LETTER CARRIERS BRANCH 46, founded in 1889, is a small nonprofit that reported $346K in total revenue in fiscal year 2025. The organization ran a surplus of $95K, a strong 27% operating margin.

Mission

LABOR UNION

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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 $316,689

Program Service Revenue $0

Investment Income $29,403

Other Revenue $321

TOTAL REVENUE $346,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $173,079

Fundraising Expenses $0

Program Expenses $240,225

Other Expenses $63,818

TOTAL EXPENSES $251,388

Year-over-Year Comparison

	2025	2024	Change
Revenue	$346,413	$355,581	0.0%
Expenses	$251,388	$257,430	0.0%
Net Income	$95,025	$98,151	0.0%

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

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

$150,027

Total Directors

$150,027

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL HARAZMUS	PRESIDENT	40.00	Officer Director	$107,994	$0	$107,994
LESLEY VITA	SECRETARY	10.00	Officer Director	$19,764	$0	$19,764
RICHARD BOWE	VICE PRESIDENT	6.00	Officer Director	$6,522	$0	$6,522
KAREN SEIBERT-KERVICK	TREASURER	3.00	Officer Director	$6,139	$0	$6,139
LAURA PARENTEAU	TRUSTEE	5.00	Officer Director	$2,457	$0	$2,457
ANDREW MANDELL	HLTH BENE REP	1.00	Officer Director	$2,072	$0	$2,072
RICHARD RIDENOUR	UPPER VALLEY VP	1.00	Officer Director	$1,520	$0	$1,520
PATRICIA ROGERS	TRUSTEE	1.00	Officer Director	$1,216	$0	$1,216
DANIEL LEMIRE	TRUSTEE	1.00	Officer Director	$1,064	$0	$1,064
MARK IMBODY	SARGEANT AT ARMS	1.00	Officer Director	$960	$0	$960
BARBARA ALDRICH	SARGEANT AT ARMS	0.50	Officer Director	$319	$0	$319

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	$346,413	$251,388	$896,197	$95,025
2024	$355,581	$257,430	$801,172	$98,151
2023	$355,336	$256,139	$703,021	$99,197
2022	$303,270	$255,025	$603,824	$48,245
2021	$284,324	$206,177	$555,579	$78,147
2020	$282,772	$175,102	$477,432	$107,670
2019	$288,135	$253,603	$369,762	$34,532
2018	$279,423	$204,152	$335,230	$75,271

NATL ASSOC OF LETTER CARRIERS BRANCH 46