WAREHOUSE EMPLOYEES UNION LOCAL 730 PREPAID LEGAL SERVICES FUND (EIN 223408915) - 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

1976

Legal Domicile

Principal Officer

ROLAND DAVIS

Phone

4106837763

Tax Period

2024-01-01 to 2024-12-31

WAREHOUSE EMPLOYEES UNION LOCAL 730 PREPAID LEGAL SERVICES FUND, founded in 1976, is a small nonprofit that reported $154K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $68K, a strong 44% operating margin.

Mission

TO PROVIDE LEGAL BENEFITS TO ITS PARTICIPANTS

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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 $104,858

Investment Income $48,844

Other Revenue $0

TOTAL REVENUE $153,702

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $45,646

TOTAL EXPENSES $86,175

Year-over-Year Comparison

	2024	2023	Change
Revenue	$153,702	$138,749	+0.1%
Expenses	$86,175	$95,731	-0.1%
Net Income	$67,527	$43,018	+0.6%

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

$581,870

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL BULL	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
JASON PARADIS	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
MICHAEL GOBLE	EMPLOYER TRUSTEE - ALTERNATE	2.00	Director	$0	$0	$0
MOHAMED KAMARA	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
WAYNE SETTLES	UNION TRUSTEE	2.00	Director	$0	$56,433	$190,902
SCOTT CLARK	UNION TRUSTEE	2.00	Director	$0	$56,433	$200,087
FRANKLIN MYERS	UNION TRUSTEE (P)	2.00	Director	$0	$56,433	$190,881
RONALD DAVIS JR	UNION 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
2024	$153,702	$86,175	$1,089,087	$67,527
2023	$138,749	$95,731	$1,016,607	$43,018
2022	$120,076	$83,432	$948,588	$36,644
2021	$109,274	$84,332	$961,269	$24,942
2020	$141,320	$103,578	$944,817	$37,742
2019	$158,514	$166,597	$903,785	$-8,083
2018	$161,594	$141,618	$893,745	$19,976

WAREHOUSE EMPLOYEES UNION LOCAL 730 PREPAID LEGAL SERVICES FUND