WHOLESALE WINE SALESMENS UNION LOCAL 18-D WELFARE FUND (EIN 136118801) - 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

1953

Legal Domicile

Principal Officer

THOMAS J BAFFER

Phone

7188238903

Tax Period

2024-07-01 to 2025-06-30

WHOLESALE WINE SALESMENS UNION LOCAL 18-D WELFARE FUND, founded in 1953, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $339K, a strong 18% operating margin.

Mission

TO PROVIDE DENTAL, OPTICAL, LIFE INSURANCE AND LONG-TERM DISABILITY BENEFITS TO ITS 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 $1,781,291

Investment Income $105,704

Other Revenue $15,693

TOTAL REVENUE $1,902,688

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $213,092

TOTAL EXPENSES $1,563,209

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,902,688	$1,530,179	+0.2%
Expenses	$1,563,209	$1,293,495	+0.2%
Net Income	$339,479	$236,684	+0.4%

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

Total Directors

$558,254

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS J BAFFER	CHAIRMAN	2.00	Director	$0	$39,075	$239,149
SCOTT GUENSLER	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
ROY KOHN	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
LORRAINE BARA	FORMER EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
STEPHEN BOORAS	UNION TRUSTEE	2.00	Director	$0	$41,287	$319,105
STEVEN LESAK	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
PAUL TISO	UNION TRUSTEE	2.00	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	$1,902,688	$1,563,209	$3,212,125	$339,479
2024	$1,530,179	$1,293,495	$2,882,596	$236,684
2023	$1,765,151	$1,301,469	$2,543,198	$463,682
2022	$1,605,170	$1,258,822	$2,116,232	$346,348
2021	$1,220,633	$1,124,897	$1,882,207	$95,736
2020	$1,394,310	$1,187,260	$1,813,048	$207,050
2019	$1,039,772	$899,836	$1,615,463	$139,936
2018	$1,185,386	$893,871	$1,355,185	$291,515

WHOLESALE WINE SALESMENS UNION LOCAL 18-D WELFARE FUND