ROOFERS LOCAL 195 HEALTH & ACCIDENT FUND (EIN 166148181) - 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

1972

Legal Domicile

Principal Officer

CHARLES GRATTON

Phone

3156991388

Tax Period

2024-07-01 to 2025-06-30

ROOFERS LOCAL 195 HEALTH & ACCIDENT FUND, founded in 1972, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2024. Expenses of $2.9M left a modest 7% surplus.

Mission

PROVIDE MEDICAL, DEATH, AND SHORT TERM DISABILITY BENEFITS

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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 $2,745,161

Investment Income $88,392

Other Revenue $315,186

TOTAL REVENUE $3,148,739

Expense Breakdown

Grants Paid $0

Salaries & Benefits $339,483

Fundraising Expenses $0

Other Expenses $358,404

TOTAL EXPENSES $2,926,149

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,148,739	$3,263,110	0.0%
Expenses	$2,926,149	$2,985,488	0.0%
Net Income	$222,590	$277,622	-0.2%

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

$371,907

Total Directors

$193,621

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICHOLAS MASELLI	TRUSTEE	1.00	Director	$0	$0	$0
RICHARD ANDERSON	TRUSTEE	1.00	Director	$0	$0	$0
CHARLES GRATTON	CHAIRMAN	1.00	Officer Director	$0	$60,086	$178,575
JOHN HAZZARD	TRUSTEE	1.00	Director	$0	$274	$580
ANDREW AERY	TRUSTEE	1.00	Director	$0	$0	$0
DANIEL MARSHALL	TRUSTEE	1.00	Director	$0	$5,454	$14,466
PATRICIA REDHEAD	PLAN MANAGER	20.00	Officer	$128,000	$60,932	$193,332

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	$3,148,739	$2,926,149	$2,660,855	$222,590
2024	$3,263,110	$2,985,488	$2,373,600	$277,622
2023	$3,501,235	$2,789,368	$2,068,744	$711,867
2022	$3,162,202	$2,868,246	$1,376,231	$293,956
2021	$2,891,215	$3,614,816	$1,171,344	$-723,601
2020	$3,106,232	$2,757,501	$1,864,589	$348,731
2019	$2,902,627	$2,680,201	$1,501,915	$222,426
2018	$2,597,333	$2,619,403	$1,241,271	$-22,070

ROOFERS LOCAL 195 HEALTH & ACCIDENT FUND