NEWSPAPER & MAGAZINE EMPLOYEES UNION WELFARE FUND (EIN 236422150) - 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

1966

Legal Domicile

Phone

2159230118

Tax Period

2020-01-01 to 2020-12-31

NEWSPAPER & MAGAZINE EMPLOYEES UNION WELFARE FUND, founded in 1966, is a small nonprofit that reported $145K in total revenue in fiscal year 2020. Revenue fell 36% from the prior year — a significant decline worth monitoring. Expenses of $313K exceeded revenue, resulting in a 115% operating deficit.

Mission

PROVIDE HEALTH, DENTAL, VISION AND LIFE INSURANCE COVERAGE TO ELIGIBLE UNION MEMBERS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $145,213

Investment Income $22

Other Revenue $0

TOTAL REVENUE $145,235

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $125,653

TOTAL EXPENSES $312,723

Year-over-Year Comparison

	2020	2019	Change
Revenue	$145,235	$227,162	-0.4%
Expenses	$312,723	$415,969	-0.2%
Net Income	$-167,488	$-188,807	-0.1%

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

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
JOHN DAGLE	UNION TRUSTEE	1.00	Director	$0	$0	$0
WILLIAM DIFLORIO	UNION TRUSTEE	1.00	Director	$0	$0	$0
TIMOTHY FEENEY	UNION TRUSTEE	1.00	Director	$0	$0	$0
FRED LEHMAN	MANAGEMENT TRUSTEE	1.00	Director	$0	$0	$0
BARBARA SADLER	MANAGEMENT TRUSTEE	1.00	Director	$0	$0	$0
LAUREN KAUFFMAN	MANAGEMENT TRUSTEE	1.00	Director	$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
2020	$145,235	$312,723	No data	$-167,488
2019	$227,162	$415,969	$167,488	$-188,807
2018	$223,867	$414,430	$357,053	$-190,563

NEWSPAPER & MAGAZINE EMPLOYEES UNION WELFARE FUND