INSULATORS LOCAL 41 RETIREE INSURANCE FUND (EIN 204957423) - 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

2006

Legal Domicile

Principal Officer

RODNEY HAMILTON

Phone

2604842834

Tax Period

2024-07-01 to 2025-06-30

INSULATORS LOCAL 41 RETIREE INSURANCE FUND, founded in 2006, is a small nonprofit in the Mutual Benefit sector that reported $291K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Net assets of $926K represent 38 months of operating reserves.

Mission

HEALTH AND WELFARE FUND FOR LOCAL UNION 41

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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 $262,280

Investment Income $28,314

Other Revenue $0

TOTAL REVENUE $290,594

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $46,955

TOTAL EXPENSES $291,956

Year-over-Year Comparison

	2024	2023	Change
Revenue	$290,594	$255,810	+0.1%
Expenses	$291,956	$313,210	-0.1%
Net Income	$-1,362	$-57,400	-1.0%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN LEHMKUHLE	UNION TRUSTEE	2.00	Director	$0	$0	$0
DALYN ROSE	UNION TRUSTEE	2.00	Director	$0	$0	$0
GREG SAUER	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
RODNEY E HAMILTON	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
WES MYERS	EMPLOYER 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	$290,594	$291,956	$940,212	$-1,362
2024	$255,810	$313,210	$908,841	$-57,400
2023	$282,623	$286,488	$950,792	$-3,865
2022	$270,775	$273,236	$942,561	$-2,461
2021	$294,325	$263,260	$1,041,681	$31,065
2020	$563,915	$283,158	$954,994	$280,757
2019	$360,704	$210,826	$669,649	$149,878
2018	$239,610	$228,581	$507,273	$11,029

INSULATORS LOCAL 41 RETIREE INSURANCE FUND