BOSTON PLASTERERS & CEMENT MASONS LOCAL 534 - DEFERRED INCOME FUND (EIN 046544055) - 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

1986

Legal Domicile

Principal Officer

VINCENT DISALVO

Phone

6178254500

Tax Period

2024-04-01 to 2025-03-31

BOSTON PLASTERERS & CEMENT MASONS LOCAL 534 - DEFERRED INCOME FUND, founded in 1986, is a mid-sized nonprofit that reported $10.1M in total revenue in fiscal year 2024. Revenue surged 155% from the prior year, signaling strong growth momentum. The organization ran a surplus of $6.0M, a strong 59% operating margin.

Mission

EMPLOYEE BENEFIT PLAN TO PROVIDE BENEFITS TO MEMBERS

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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 $2,405,662

Investment Income $7,440,363

Other Revenue $216,282

TOTAL REVENUE $10,062,307

Expense Breakdown

Grants Paid $0

Salaries & Benefits $168,977

Fundraising Expenses $0

Program Expenses $4,101,088

Other Expenses $200,858

TOTAL EXPENSES $4,101,088

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,062,307	$3,948,567	+1.5%
Expenses	$4,101,088	$4,772,406	-0.1%
Net Income	$5,961,219	$-823,839	-8.2%

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

N/A

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

$623,892

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAWRENCE REGALADO	TRUSTEE	1.00	Director	$0	$85,072	$214,538
VINCENT DISALVO	TRUSTEE	1.00	Director	$0	$86,622	$219,100
STEPHEN AFFANATO	TRUSTEE	1.00	Director	$0	$0	$0
JAMES MARGUERITE	TRUSTEE	1.00	Director	$0	$0	$0
WILLIAM REDMOND	TRUSTEE	1.00	Director	$0	$87,537	$190,254
MICHAEL FRIAS	TRUSTEE	1.00	Director	$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	$10,062,307	$4,101,088	$45,677,558	$5,961,219
2024	$3,948,567	$4,772,406	$44,959,898	$-823,839
2023	$4,349,367	$2,389,632	$42,801,000	$1,959,735
2022	$5,288,604	$2,239,780	$43,033,608	$3,048,824
2021	$3,723,120	$1,637,015	$41,347,044	$2,086,105
2020	$3,554,386	$1,436,228	$32,147,143	$2,118,158
2019	$3,931,945	$1,126,149	$33,572,949	$2,805,796

BOSTON PLASTERERS & CEMENT MASONS LOCAL 534 - DEFERRED INCOME FUND