INTERNATIONAL ASSOC OF HEAT & FROST INSULATORS & ALLIED WORKERS NO 4 (EIN 160336135) - 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

1912

Legal Domicile

Principal Officer

JAMES MALTBY

Phone

7168230980

Tax Period

2025-01-01 to 2025-12-31

INTERNATIONAL ASSOC OF HEAT & FROST INSULATORS & ALLIED WORKERS NO 4, founded in 1912, is a small nonprofit that reported $524K in total revenue in fiscal year 2025. Revenue surged 37% from the prior year, signaling strong growth momentum. The organization ran a surplus of $134K, a strong 26% operating margin.

Mission

TO PROVIDE COLLECTIVE BARGAINING FOR MEMBERS OF LOCAL UNION NO. 4.

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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 $515,205

Investment Income $7,316

Other Revenue $1,245

TOTAL REVENUE $523,766

Expense Breakdown

Grants Paid $0

Salaries & Benefits $215,531

Fundraising Expenses $0

Other Expenses $174,063

TOTAL EXPENSES $389,594

Year-over-Year Comparison

	2025	2024	Change
Revenue	$523,766	$383,121	+0.4%
Expenses	$389,594	$357,429	+0.1%
Net Income	$134,172	$25,692	+4.2%

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

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

$204,022

Total Directors

$205,322

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES MALTBY	BUSINESS MAN	40.00	Officer Director	$89,438	$83,131	$172,569
JOHN FADELEY	FINANCIAL SE	7.50	Officer Director	$14,586	$300	$14,886
JEFFREY FREDO	PRESIDENT	2.00	Officer Director	$4,029	$3,939	$7,968
KEITH WEBER	VICE PRESIDE	2.00	Officer Director	$3,193	$2,863	$6,056
JONATHON WINSTON-PARSON	CORR SECRETA	2.00	Officer Director	$2,243	$300	$2,543
MICHAEL BAVISOTTO	EXECUTIVE BO	2.00	Director	$0	$275	$275
JAMES CRANDALL	EXECUTIVE BO	2.00	Director	$0	$275	$275
TRAVIS MCKINSEY	EXECUTIVE BO	2.00	Director	$0	$275	$275
DAVID WEAVER	EXECUTIVE BO	2.00	Director	$0	$250	$250
JOHN WITKOWSKI	EXECUTIVE BO	2.00	Director	$0	$225	$225
ROBERT FISHER JR	E-BOARD (FOR	2.00	Director	$0	$0	$0
RICHARD LARSON	E-BOARD (FOR	2.00	Director	$0	$0	$0
LYRION MCLENNY	SERGEANT AT	2.00	Officer 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	$523,766	$389,594	$366,017	$134,172
2024	No data	No data	No data	No data
2023	$337,506	$355,090	$184,637	$-17,584
2022	$329,998	$356,725	$183,668	$-26,727
2021	$327,451	$394,435	$221,386	$-66,984
2020	$360,032	$349,910	$277,197	$10,122
2019	$352,141	$447,474	$251,402	$-95,333
2018	$348,038	$448,899	$327,974	$-100,861

INTERNATIONAL ASSOC OF HEAT & FROST INSULATORS & ALLIED WORKERS NO 4