TEAMSTERS LOCAL 445 (EIN 131739751) - 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

1934

Legal Domicile

Principal Officer

DANIEL MALDONADO

Phone

8455645297

Tax Period

2025-01-01 to 2025-12-31

TEAMSTERS LOCAL 445, founded in 1934, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2025. Expenses of $1.7M left a modest 9% surplus.

Mission

REPRESENT MEMBERS ON EMPLOYMENT MATTERS.

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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 $1,746,643

Investment Income $22

Other Revenue $110,647

TOTAL REVENUE $1,857,312

Expense Breakdown

Grants Paid $0

Salaries & Benefits $862,373

Fundraising Expenses $0

Other Expenses $825,000

TOTAL EXPENSES $1,687,373

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,857,312	$1,850,298	+0.0%
Expenses	$1,687,373	$1,858,846	-0.1%
Net Income	$169,939	$-8,548	-20.9%

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

$646,651

Total Directors

$14,400

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACQUES PEAN JR	TRUSTEE	10.00	Director	$4,800	$0	$4,800
ROSEMARY WOLFF	TRUSTEE	10.00	Director	$4,800	$0	$4,800
RAYMOND GIL	TRUSTEE	10.00	Director	$4,800	$0	$4,800
DANIEL MALDONADO	SECRETARY TREASURER	35.00	Officer	$110,765	$64,218	$174,983
LORI E POLESEL	PRESIDENT	35.00	Officer	$100,623	$47,600	$148,223
JOHN S HASBROUCK	VICE PRESIDENT	10.00	Officer	$53,204	$33,488	$86,692
RAYMOND STANISHIA	RECORDING SECRETARY	10.00	Officer	$77,034	$56,341	$133,375
MICHAEL A PITT	FORMER VICE PRESIDENT	10.00	Officer	$0	$2,871	$2,871
JOHN G CLINEMAN	FORMER RECORDING SECRETARY	10.00	Officer	$57,589	$42,918	$100,507

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	$1,857,312	$1,687,373	$489,676	$169,939
2024	$1,850,298	$1,858,846	$316,566	$-8,548
2023	$1,871,787	$1,905,229	$351,676	$-33,442
2022	$1,777,164	$1,891,592	$420,742	$-114,428
2021	$2,011,197	$1,830,645	$576,521	$180,552
2020	$1,767,744	$1,769,006	$374,806	$-1,262
2019	$1,848,032	$1,812,238	$321,152	$35,794
2018	$1,750,856	$1,772,193	$230,854	$-21,337

TEAMSTERS LOCAL 445