United Association of Journeymen 520 PPF (EIN 231173154) - 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

1914

Legal Domicile

Principal Officer

Christopher Ebenbo

Phone

7176523135

Tax Period

2023-07-01 to 2024-06-30

United Association of Journeymen 520 PPF, founded in 1914, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Net assets of $11.6M represent 35 months of operating reserves.

Mission

To unite fraternally the journeymen and apprentices of the plumbing and pipefitting industry of central pennsylvania for their mutual benefit.

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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 $3,551,673

Investment Income $182,974

Other Revenue $221,815

TOTAL REVENUE $3,956,462

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,554,036

Fundraising Expenses $0

Other Expenses $2,498,627

TOTAL EXPENSES $4,132,773

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,956,462	$3,561,110	+0.1%
Expenses	$4,132,773	$3,414,600	+0.2%
Net Income	$-176,311	$146,510	-2.2%

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

1490

Independent Members

1482

Employees

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

$430,217

Total Directors

Key Employees

$769,685

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James Enders	Business Manager	46.00	Officer	$129,880	$101,913	$231,793
Ben Horst	President	2.00	Officer	$0	$0	$0
Frank Kelly	Financial Secretary	40.00	Officer	$109,153	$88,221	$197,374
Jared Showeres	Recording Secretary	2.00	Officer	$600	$0	$600
Michael Enders	Vice President	2.00	Officer	$0	$0	$0
Cory Borhman	Executive Board	1.00	Officer	$0	$0	$0
Nicholas DePhillips	Executive Board	1.00	Officer	$0	$0	$0
Thomas Lewis	Executive Board	1.00	Officer	$0	$0	$0
Kevin Mann	Executive Board	1.00	Officer	$0	$0	$0
Phillip Clifton	Examining Board	1.00	Officer	$0	$0	$0
Lewis Jean	Examining Board	1.00	Officer	$0	$0	$0
Patrick Jones	Examining Board	1.00	Officer	$0	$0	$0
Derek Mease	Examining Board	1.00	Officer	$0	$0	$0
Richard Murphy	Examining Board	1.00	Officer	$0	$0	$0
Chad Sargent	Examining Board	1.00	Officer	$0	$0	$0
Christopher Ebenbo	Finance Committee	1.00	Officer	$450	$0	$450
John Simpson	Finance Committee	1.00	Officer	$0	$0	$0
Nathan Zook	Finance Committee	1.00	Officer	$0	$0	$0
Carl Heisey	Inside Guard	1.00	Officer	$0	$0	$0
Brian Bathavic	Business Agent	40.00	Key Emp	$102,088	$86,599	$188,687
Timothy Hoy	Business Agent	40.00	Key Emp	$109,403	$88,221	$197,624
Joe Hall	Business Agent	40.00	Key Emp	$104,563	$86,599	$191,162
James Rapp	Business Agent	40.00	Key Emp	$105,613	$86,599	$192,212

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	No data	No data	No data	No data
2024	$3,956,462	$4,132,773	$11,599,903	$-176,311
2023	$3,561,110	$3,414,600	$11,497,319	$146,510
2022	$3,224,251	$3,293,652	$11,244,724	$-69,401
2021	$3,241,988	$3,701,170	$11,757,117	$-459,182
2020	$3,408,263	$3,267,415	$11,853,759	$140,848
2019	$3,967,252	$3,787,758	$12,316,971	$179,494

United Association of Journeymen 520 PPF