INTERNATIONAL ASSOCIATION OF HEAT & FROST INSULATORS & ALLIED WORKERS

EIN: 141514924

Schenectady, NY

Total Revenue
$410,659
Total Expenses
$402,017
Total Assets
$933,361
Net Assets
$931,103
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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
1914
Legal Domicile
NY
Principal Officer
Bernard Cardella
Phone
5183471033
Tax Period
2025-02-01 to 2026-01-31

INTERNATIONAL ASSOCIATION OF HEAT & FROST INSULATORS & ALLIED WORKERS, founded in 1914, is a small nonprofit that reported $411K in total revenue in fiscal year 2025. Revenue decreased 18% compared to the prior year. Net assets of $931K represent 27 months of operating reserves.

Mission

Supply women and men to insulate heat and frost equipment.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $410,659
Program Service Revenue $0
Investment Income $0
Other Revenue $0
TOTAL REVENUE $410,659

Expense Breakdown

Grants Paid $0
Salaries & Benefits $102,164
Fundraising Expenses $0
Program Expenses $0
Other Expenses $167,665
TOTAL EXPENSES $402,017

Year-over-Year Comparison

2025 2024 Change
Revenue $410,659 $500,596 -0.2%
Expenses $402,017 $426,913 -0.1%
Net Income $8,642 $73,683 -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

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Governance

Voting Members
85
Independent Members
N/A
Employees
1
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
10
$105,264
Total Directors
2
$93,264
Key Employees
3
$93,264
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MARK STUTO BUSINESS MANAGER 40
Officer Director Key Emp Highest
$93,264 $0 $93,264
BERNARD CARDELLA FINANCIAL SECRETARY 20
Officer
$12,000 $0 $12,000
DOMONICK OGBORN Corresponding SECRETARY 3
Officer Director
$0 $0 $0
David Patnode Organizer & Executive Board 2
Officer
$0 $0 $0
Joshua Hoffman EXECUTIVE BOARD 3
Officer
$0 $0 $0
THOMAS IACOVELLI EXECUTIVE BOARD 2
Officer
$0 $0 $0
ANTONIO MELENDEZ Recording Secretary & Executive Board 4
Officer
$0 $0 $0
Michael Deegan EXECUTIVE BOARD 2
Officer
$0 $0 $0
MICHAEL GELETA VICE PRESIDENT 3
Officer Key Emp
$0 $0 $0
MICHAEL GIBEAU PRESIDNET 3
Officer Key Emp
$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
2026 $410,659 $402,017 $933,361 $8,642
2025 $500,596 $426,913 $924,719 $73,683
2024 $458,419 $408,051 $851,162 $50,368
2023 $503,073 $468,856 $800,794 $34,217
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