INSURANCE TRUST FUND PRIVATE SANITATION UNION LOCAL 813 IBT (EIN 135603868) - 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

1951

Legal Domicile

Principal Officer

DANIEL WRIGHT

Phone

7189377150

Tax Period

2024-01-01 to 2024-12-31

INSURANCE TRUST FUND PRIVATE SANITATION UNION LOCAL 813 IBT, founded in 1951, is a mid-sized nonprofit that reported $30.2M in total revenue in fiscal year 2024.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE UNION PARTICIPANTS AND THEIR DEPENDENTS.

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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 $26,727,297

Investment Income $3,466,619

Other Revenue $0

TOTAL REVENUE $30,193,916

Expense Breakdown

Grants Paid $0

Salaries & Benefits $480,661

Fundraising Expenses $0

Other Expenses $778,645

TOTAL EXPENSES $31,431,408

Year-over-Year Comparison

	2024	2023	Change
Revenue	$30,193,916	$28,621,932	+0.1%
Expenses	$31,431,408	$27,827,732	+0.1%
Net Income	$-1,237,492	$794,200	-2.6%

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

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

$173,540

Total Directors

$526,689

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SEAN T CAMPBELL	TRUSTEE	2.00	Director	$38,400	$0	$38,400
JEFFREY GUTTERMAN	TRUSTEE	2.00	Director	$0	$0	$0
ROBERT TILLIS	TRUSTEE	2.00	Director	$0	$0	$0
NICHOLAS ORLANDO	TRUSTEE	2.00	Director	$0	$0	$0
DANIEL WRIGHT	TRUSTEE	2.00	Director	$0	$46,431	$257,478
BONACIO CRESPI	TRUSTEE	2.00	Director	$0	$51,811	$187,311
NEAL SCHELBERG	TRUSTEE	2.00	Director	$38,400	$0	$38,400
KIMBERLY ZAMBITO	TRUSTEE	2.00	Director	$0	$0	$5,100
SHANAE JOHNSON	FUND ADMINISTRATOR	8.00	Officer	$0	$43,265	$173,540

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
2024	$30,193,916	$31,431,408	$60,167,844	$-1,237,492
2023	$28,621,932	$27,827,732	$59,657,048	$794,200
2022	$26,322,883	$34,952,146	$56,492,545	$-8,629,263
2021	$29,300,659	$25,592,209	$74,683,469	$3,708,450
2020	$26,263,352	$23,801,610	$67,215,599	$2,461,742
2019	$28,920,571	$23,209,818	$57,885,632	$5,710,753
2018	$28,435,677	$23,273,705	$47,479,785	$5,161,972

INSURANCE TRUST FUND PRIVATE SANITATION UNION LOCAL 813 IBT