SHEET METAL WORKERS LOCAL UNION NO 25 NEW JERSEY VACATION FUND (EIN 222586290) - 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

1985

Legal Domicile

Principal Officer

JOSEPH DEMARK JR

Phone

2015070334

Tax Period

2024-04-01 to 2025-03-31

SHEET METAL WORKERS LOCAL UNION NO 25 NEW JERSEY VACATION FUND, founded in 1985, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year.

Mission

THE FUND PROVIDES VACATION BENEFITS TO ITS 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,095,530

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,095,530

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,101

Fundraising Expenses $0

Other Expenses $15,359

TOTAL EXPENSES $1,073,793

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,095,530	$1,255,524	-0.1%
Expenses	$1,073,793	$1,262,583	-0.1%
Net Income	$21,737	$-7,059	-4.1%

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

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
JOSEPH DEMARK JR	Trustee	5.00	Director	$0	$0	$0
CRAIG HOFFMANN	Trustee	5.00	Director	$0	$0	$0
CALVIN BROOKS	Trustee	5.00	Director	$0	$0	$0
SCOTT GRANT	Trustee	5.00	Director	$0	$0	$0
LORI ESHENAUR	Trustee	5.00	Director	$0	$0	$0
NICHOLAS COSTA	Trustee	5.00	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	$1,095,530	$1,073,793	$148,674	$21,737
2024	$1,255,524	$1,262,583	$136,342	$-7,059
2023	$1,402,882	$1,445,461	$136,249	$-42,579
2022	$1,540,902	$1,546,071	$171,985	$-5,169
2021	$1,531,155	$1,548,079	$178,046	$-16,924
2020	$1,718,216	$1,750,442	$199,955	$-32,226
2019	$1,810,646	$1,771,448	$219,805	$39,198

SHEET METAL WORKERS LOCAL UNION NO 25 NEW JERSEY VACATION FUND