Amalgamated Transit Union Local 820 (EIN 221311765) - 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

1918

Legal Domicile

Principal Officer

Pablo Gonzalez

Tax Period

2023-01-01 to 2023-12-31

Amalgamated Transit Union Local 820, founded in 1918, is a small nonprofit that reported $566K in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $631K exceeded revenue, resulting in a 11% operating deficit.

Mission

Representation New Jersey Transit union 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $556,871

Investment Income $5,357

Other Revenue $3,740

TOTAL REVENUE $565,968

Expense Breakdown

Grants Paid $0

Salaries & Benefits $263,932

Fundraising Expenses $0

Program Expenses $630,930

Other Expenses $366,998

TOTAL EXPENSES $630,930

Year-over-Year Comparison

	2023	2022	Change
Revenue	$565,968	$515,006	+0.1%
Expenses	$630,930	$573,547	+0.1%
Net Income	$-64,962	$-58,541	+0.1%

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

N/A

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

$184,105

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Pablo Gonzalez	President	50.00	Officer	$110,710	$0	$110,710
Manuel Colon	Financial Secretary	20.00	Officer	$31,939	$0	$31,939
Carlos Gonzalez	Vice President	10.00	Officer	$29,403	$0	$29,403
Christopher Whisten	Recording Sec	10.00	Officer	$12,053	$0	$12,053

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
2024	No data	No data	No data	No data
2023	$565,968	$630,930	$243,175	$-64,962
2022	$515,006	$573,547	$308,137	$-58,541
2021	$508,332	$470,517	$366,678	$37,815
2020	$503,687	$416,884	$328,863	$86,803
2019	$523,385	$485,591	$242,060	$37,794
2018	$446,995	$457,136	$204,266	$-10,141

Amalgamated Transit Union Local 820