NATIONAL ASSOCIATION OF LETTER CARRIERS NJ MERGED BRANCH 38 (EIN 226095345) - 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

1944

Legal Domicile

Principal Officer

JOSEPH RUTKOSKI

Phone

9735647244

Tax Period

2025-01-01 to 2025-12-31

NATIONAL ASSOCIATION OF LETTER CARRIERS NJ MERGED BRANCH 38, founded in 1944, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2025. Expenses of $2.1M exceeded revenue, resulting in a 15% operating deficit.

Mission

MEMBER REPRESENTATION. LABOR UNION REPRESENTING IT'S MEMBERS IN NEGOTIATIONS, ARBITRATIONS, AND IN GENERAL COMPLAINTS. TO ASSIST IN EFFORTS TO IMPROVE THE CONDITION OF THE ENTIRE MEMBERSHIP.

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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 (2025)

Revenue Breakdown

Contributions & Grants $1,684,814

Program Service Revenue $0

Investment Income $35,978

Other Revenue $109,303

TOTAL REVENUE $1,830,095

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,256,981

Fundraising Expenses $0

Other Expenses $839,132

TOTAL EXPENSES $2,096,113

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,830,095	$1,858,394	0.0%
Expenses	$2,096,113	$1,939,486	+0.1%
Net Income	$-266,018	$-81,092	+2.3%

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

167

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

$918,778

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH RUTKOSKI	PRESIDENT	40.00	Officer	$109,462	$14,514	$123,976
CHRISTINE STRASSER	TREASURER	40.00	Officer	$105,884	$852	$106,736
PETER BEDNARZ	VICE PRESIDENT	40.00	Officer	$109,415	$11,247	$120,662
JOSEPH OTERO	RECORDING SECRETARY	24.00	Officer	$105,842	$0	$105,842
ARMANDO PEDREIRA JR	CORRESPONDING SECRETARY	24.00	Officer	$101,933	$0	$101,933
DOMINIC WALTON	SERGEANT AT ARMS/PT REP	24.00	Officer	$41,145	$0	$41,145
ROY JANCIO JR	DIRECTOR OF CITY DELIVERY	24.00	Officer	$109,817	$2,547	$112,364
RONALD VILLEGAS	DIRECTOR OF RETIREES	24.00	Officer	$18,663	$0	$18,663
CLINTON COLIE	TRUSTEE/PT REP	0.50	Officer	$44,455	$0	$44,455
MICHAEL HEDGLIN	TRUSTEE/PT REP	0.50	Officer	$42,268	$0	$42,268
KEITH HEMMING	TRUSTEE	0.50	Officer	$0	$352	$352
RICHARD O'CONNELL JR	TRUSTEE	0.50	Officer	$0	$0	$0
JOSEPH ZAMMITO	TRUSTEE	0.50	Officer	$3,653	$0	$3,653
DANIEL SZUCS	FORMER EXECUTIVE VICE PRES	40.00	Officer	$29,991	$131	$30,122
MARK MCGRADY	FORMER DIRECTOR OF CITY DE	40.00	Officer	$33,343	$706	$34,049
MICHAEL O'NEILL	FORMER PRESIDENT	40.00	Officer	$31,499	$1,059	$32,558

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	$1,830,095	$2,096,113	$1,576,589	$-266,018
2024	$1,858,394	$1,939,486	$1,571,918	$-81,092
2023	$1,788,257	$1,789,898	$1,653,010	$-1,641
2022	$1,609,796	$1,731,004	$1,654,651	$-121,208
2021	$1,563,240	$1,409,576	$1,775,859	$153,664
2020	$1,482,794	$1,335,717	$1,622,195	$147,077
2019	$1,508,780	$1,478,955	$1,441,767	$29,825
2018	$1,523,594	$1,407,761	$1,411,942	$115,833

NATIONAL ASSOCIATION OF LETTER CARRIERS NJ MERGED BRANCH 38