National Assn of Retired & Veteran Railway Workers (EIN 236419887) - 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

1942

Legal Domicile

Principal Officer

James P Steward

Phone

8005512588

Tax Period

2025-01-01 to 2025-12-31

National Assn of Retired & Veteran Railway Workers, founded in 1942, is a small nonprofit that reported $249K in total revenue in fiscal year 2025. Expenses of $229K left a modest 8% surplus.

Mission

To protect and promote railroad benefits for retired railroad employees by providing newsletters, ect.

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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 $246,232

Program Service Revenue $0

Investment Income $3,135

Other Revenue $0

TOTAL REVENUE $249,367

Expense Breakdown

Grants Paid $0

Salaries & Benefits $68,581

Fundraising Expenses $0

Program Expenses $228,693

Other Expenses $160,112

TOTAL EXPENSES $228,693

Year-over-Year Comparison

	2025	2024	Change
Revenue	$249,367	$237,953	+0.0%
Expenses	$228,693	$233,019	0.0%
Net Income	$20,674	$4,934	+3.2%

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

Independent Members

Employees

Volunteers

250

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

$45,200

Total Directors

Key Employees

$4,114

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
George Boatwright	President	20.00	Officer	$9,000	$0	$9,000
Ron Hylla	Vice-President	20.00	Officer	$7,800	$0	$7,800
James P Steward	National Sec/Tres	40.00	Officer	$21,800	$0	$21,800
Thomas Dwyer	Past President	10.00		$4,299	$0	$4,299
Paige E Steward	Office Manager	40.00	Highest	$24,000	$0	$24,000
Tracy Ward	Part time Office	10.00	Key Emp	$4,114	$0	$4,114
Gary Faley	Legislative Director	20.00	Officer	$6,600	$0	$6,600

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	$249,367	$228,693	$168,715	$20,674
2023	$205,677	$226,332	$143,383	$-20,655

National Assn of Retired & Veteran Railway Workers