SUSQUEHANNA LABORERS COMBINED HEALTH & WELFARE FUND (EIN 236426910) - 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

1999

Legal Domicile

Principal Officer

KEITH TONER

Phone

6109419400

Tax Period

2024-05-01 to 2025-04-30

SUSQUEHANNA LABORERS COMBINED HEALTH & WELFARE FUND, founded in 1999, is a small nonprofit that reported $175K in total revenue in fiscal year 2024. Revenue fell 92% from the prior year — a significant decline worth monitoring. Expenses of $422K exceeded revenue, resulting in a 141% operating deficit.

Mission

TO PROVIDE HEALTH & WELFARE BENEFITS TO MEMBERS AND THEIR DEPENDENTS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $122,982

Investment Income $51,771

Other Revenue $0

TOTAL REVENUE $174,753

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $421,909

Other Expenses $381,593

TOTAL EXPENSES $421,909

Year-over-Year Comparison

	2024	2023	Change
Revenue	$174,753	$2,062,961	-0.9%
Expenses	$421,909	$2,245,052	-0.8%
Net Income	$-247,156	$-182,091	+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

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
BRADY SWARTZ	UNION TRUSTEE	5.00	Director	$0	$0	$0
JON O'BRIEN	MANAGEMENT TRUSTEE	5.00	Director	$0	$0	$0
GEORGE HARDY	MANAGEMENT TRUSTEE	5.00	Director	$0	$0	$0
KEITH TONER	UNION TRUSTEE	5.00	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
2025	$174,753	$421,909	$452,369	$-247,156
2024	$2,062,961	$2,245,052	$876,332	$-182,091
2023	$3,595,803	$3,730,958	$1,983,737	$-135,155
2022	$3,383,928	$3,455,877	$2,029,694	$-71,949
2021	$3,135,505	$3,607,056	$1,469,896	$-471,551
2020	$3,195,651	$3,910,034	$1,743,729	$-714,383
2019	$4,285,396	$4,646,701	$2,394,909	$-361,305
2018	$5,792,053	$4,954,654	$2,732,467	$837,399

SUSQUEHANNA LABORERS COMBINED HEALTH & WELFARE FUND