National Association of Letter Carriers Branch 41 (EIN 111511918) - 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

1985

Legal Domicile

Phone

8454715626

Tax Period

2024-01-01 to 2024-12-31

National Association of Letter Carriers Branch 41, founded in 1985, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue surged 27% from the prior year, signaling strong growth momentum. Expenses of $1.3M exceeded revenue, resulting in a 16% operating deficit.

Mission

To Provide Union Representation, through collective bargaining by obtaining and securing members rights and benefits, and to promote the welfare of every member.

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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 $1,144,741

Program Service Revenue $0

Investment Income $9,757

Other Revenue $0

TOTAL REVENUE $1,154,498

Expense Breakdown

Grants Paid $0

Salaries & Benefits $864,882

Fundraising Expenses $0

Program Expenses $175,427

Other Expenses $471,071

TOTAL EXPENSES $1,335,953

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,154,498	$908,949	+0.3%
Expenses	$1,335,953	$1,004,426	+0.3%
Net Income	$-181,455	$-95,477	+0.9%

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

$648,373

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN CRUZ	PRESIDENT	040.00	Officer Highest	$142,439	$0	$142,439
PAUL MARKS	CHIEF STEWARD	040.00	Officer Highest	$115,884	$0	$115,884
LUTHER MCCOY	VICE PRESIDENT	040.00	Officer Highest	$112,892	$0	$112,892
EDWIN PINERO	TREASURER	040.00	Officer Highest	$102,491	$0	$102,491
RICHARD RAYMOND	2ND VICE PRESIDENT	040.00	Officer Highest	$96,141	$0	$96,141
SARINA FURIO	OWCT/HEALTH BENEFIT	040.00	Officer Highest	$78,526	$0	$78,526

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	No data	No data	No data	No data
2024	$1,154,498	$1,335,953	$1,107,194	$-181,455
2023	$908,949	$1,004,426	$1,254,649	$-95,477
2022	$859,163	$996,737	$1,350,126	$-137,574
2021	$755,997	$829,649	$1,487,700	$-73,652
2020	$761,554	$806,905	$1,570,129	$-45,351
2019	$815,285	$648,210	$1,606,703	$167,075
2018	$837,990	$613,863	$1,439,628	$224,127

National Association of Letter Carriers Branch 41