HEAVY AND GENERAL CONSTRUCTION LABORERS UNION LOCAL 472 SEVERANCE FUND (EIN 226500282) - 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

1990

Legal Domicile

Principal Officer

MANUEL H AMADOR JR

Phone

9735895050

Tax Period

2025-01-01 to 2025-12-31

HEAVY AND GENERAL CONSTRUCTION LABORERS UNION LOCAL 472 SEVERANCE FUND, founded in 1990, is a small nonprofit that reported $727K in total revenue in fiscal year 2025. The organization ran a surplus of $264K, a strong 36% operating margin.

Mission

CREATED AND ESTABLISHED FOR THE PURPOSE OF PROVIDING SEVERANCE BENEFIT FOR ELIGIBLE EMPLOYEES IN ORDER TO PROVIDE CERTAIN FINANCIAL PROTECTION FOR SUCH EMPLOYEES UPON SEVERANCE, TERMINATION OF EMPLOYMENT OR IN THE EVENT OF THEIR DEATH, FOR THEIR BENEFICIARIES.

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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 $0

Program Service Revenue $600,000

Investment Income $127,236

Other Revenue $0

TOTAL REVENUE $727,236

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $12,540

TOTAL EXPENSES $462,770

Year-over-Year Comparison

	2025	2024	Change
Revenue	$727,236	$702,557	+0.0%
Expenses	$462,770	$585,231	-0.2%
Net Income	$264,466	$117,326	+1.3%

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

N/A

Volunteers

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

$1,743,108

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MANUEL H AMADOR JR	Trustee	0.50	Director	$0	$250,725	$604,818
MICHAEL GIUNTA	Trustee	0.50	Director	$0	$242,655	$577,532
LUIS C RECIO	Trustee	0.50	Director	$0	$238,198	$560,758

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	$727,236	$462,770	$3,796,744	$264,466
2024	$702,557	$585,231	$3,493,467	$117,326
2023	$642,644	$588,310	$3,347,542	$54,334
2022	$597,270	$483,194	$3,207,498	$114,076
2021	$480,121	$436,172	$3,265,996	$43,949
2020	$520,405	$436,046	$3,329,181	$84,359
2019	$305,075	$372,836	$3,139,158	$-67,761
2018	$284,031	$317,528	$3,149,589	$-33,497

HEAVY AND GENERAL CONSTRUCTION LABORERS UNION LOCAL 472 SEVERANCE FUND