UBC AND JOINERS OF AMERICA EASTERN DISTRICT (EIN 232207453) - 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

2006

Legal Domicile

Principal Officer

JOSEPH GEIGER

Phone

7325983163

Tax Period

2025-01-01 to 2025-12-31

UBC AND JOINERS OF AMERICA EASTERN DISTRICT, founded in 2006, is a small nonprofit that reported $320K in total revenue in fiscal year 2025. Revenue fell 36% from the prior year — a significant decline worth monitoring. Expenses of $701K exceeded revenue, resulting in a 119% operating deficit.

Mission

REPRESENTING AND SERVICING MEMBERS OF CARPENTER LOCALS IN THE MID ATLANTIC AND NEW ENGLAND STATES.

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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 $236,468

Program Service Revenue $0

Investment Income $75,195

Other Revenue $8,756

TOTAL REVENUE $320,419

Expense Breakdown

Grants Paid $15,203

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $686,236

TOTAL EXPENSES $701,439

Year-over-Year Comparison

	2025	2024	Change
Revenue	$320,419	$497,315	-0.4%
Expenses	$701,439	$1,175,671	-0.4%
Net Income	$-381,020	$-678,356	-0.4%

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 BYRNE	TRUSTEE	1.00	Director	$0	$0	$0
PAUL CAPURSO	TRUSTEE	1.00	Director	$0	$0	$0
WILLIAM SPROULE	TRUSTEE	1.00	Director	$0	$0	$0
JOSEPH GEIGER	VP EASTERN D	50.00	Officer	$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	$320,419	$701,439	$4,273,189	$-381,020
2024	$497,315	$1,175,671	$4,584,684	$-678,356
2023	$428,738	$2,404,876	$5,263,159	$-1,976,138
2022	$388,245	$332,444	$7,239,782	$55,801
2021	$407,479	$303,188	$7,183,513	$104,291
2020	$636,710	$451,675	$7,079,272	$185,035

UBC AND JOINERS OF AMERICA EASTERN DISTRICT