RETAIL WHOLESALE & DEPARTMENT STORE UNION (EIN 132630482) - 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

Legal Domicile

Principal Officer

SHAUN KAVANAGH

Phone

2123716230

Tax Period

2024-01-01 to 2024-12-31

RETAIL WHOLESALE & DEPARTMENT STORE UNION is a community nonprofit in the Employment sector that reported $1.2M in total revenue in fiscal year 2024. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $191K, a strong 16% operating margin.

Mission

IMPROVE MEMBERS' WORKING CONDITIONS.

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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 $859,808

Investment Income $337,649

Other Revenue $0

TOTAL REVENUE $1,197,457

Expense Breakdown

Grants Paid $0

Salaries & Benefits $391,513

Fundraising Expenses $0

Other Expenses $615,058

TOTAL EXPENSES $1,006,571

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,197,457	$865,874	+0.4%
Expenses	$1,006,571	$855,167	+0.2%
Net Income	$190,886	$10,707	+16.8%

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

$355,930

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHAUN KAVANAGH	President	40.00	Officer	$137,392	$12,400	$149,792
BRENDA MOSES	SEC. TREASURER	40.00	Officer	$67,781	$6,032	$73,813
JAMES EISENBERG	SEC. TREASURER	40.00	Officer	$67,887	$0	$67,887
FRANK MALCANGI	EXECUTIVE BOARD	1.00	Officer	$9,976	$0	$9,976
ERIC GUTIERREZ	EXECUTIVE BOARD	1.00	Officer	$8,078	$0	$8,078
CARLOS MACMASTER	EXECUTIVE BOARD	1.00	Officer	$8,004	$0	$8,004
TRACEY PIAZZA	EXECUTIVE BOARD	1.00	Officer	$7,055	$0	$7,055
KATHLEEN HOUSER	EXECUTIVE BOARD	1.00	Officer	$6,244	$0	$6,244
ANTONINA RAZZA-CALLENDER	EXECUTIVE BOARD	1.00	Officer	$5,810	$0	$5,810
LORRAINE WILLIAMS	EXECUTIVE BOARD	1.00	Officer	$5,306	$0	$5,306
TAMMY ROBERTS	EXECUTIVE BOARD	1.00	Officer	$4,858	$0	$4,858
ERNESTINE EVANS	EXECUTIVE BOARD	1.00	Officer	$4,345	$0	$4,345
BENEDICT WILSON	EXECUTIVE BOARD	1.00	Officer	$2,417	$0	$2,417
CHARMAINE WALCOTT	EXECUTIVE BOARD	1.00	Officer	$2,345	$0	$2,345

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	$1,197,457	$1,006,571	$2,155,711	$190,886
2023	$865,874	$855,167	$1,956,697	$10,707
2022	$954,131	$869,088	$1,960,148	$85,043
2021	$893,405	$886,724	$1,871,009	$6,681
2020	$700,006	$885,470	$1,877,957	$-185,464
2019	$1,226,148	$1,101,491	$2,060,404	$124,657
2018	$1,117,387	$1,149,425	$1,980,751	$-32,038

RETAIL WHOLESALE & DEPARTMENT STORE UNION