AMERICAN POSTAL WORKERS UNION 4 LOUISVILLE KY (EIN 237344199) - 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

1906

Legal Domicile

Principal Officer

CHARLIE WATKINS

Phone

5024913556

Tax Period

2024-04-01 to 2025-03-31

AMERICAN POSTAL WORKERS UNION 4 LOUISVILLE KY, founded in 1906, is a small nonprofit that reported $304K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

APWU PROVIDES REPRESENTATION FOR ITS MEMBERS IN MATTERS OF WAGES, HOURS AND WORKING CONDITIONS

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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 $303,061

Program Service Revenue $0

Investment Income $3,154

Other Revenue $-1,987

TOTAL REVENUE $304,228

Expense Breakdown

Grants Paid $0

Salaries & Benefits $194,693

Fundraising Expenses $0

Other Expenses $136,867

TOTAL EXPENSES $331,560

Year-over-Year Comparison

	2024	2023	Change
Revenue	$304,228	$280,299	+0.1%
Expenses	$331,560	$329,764	+0.0%
Net Income	$-27,332	$-49,465	-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

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

$144,023

Total Directors

$144,023

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARTHUR CAMPOS	PRESIDENT	20.00	Officer Director	$50,692	$0	$50,692
MICHAEL CLARK	VICE PRESIDENT	3.00	Officer Director	$11,343	$0	$11,343
CHARLIE WATKINS	SECRETARY/TREASURER	20.00	Officer Director	$45,362	$0	$45,362
ROBIN WILLIAMS	CLERK DIRECTOR	3.00	Officer Director	$8,273	$0	$8,273
MICHAEL LANUM	MAINTENANCE DIRECTOR	5.00	Officer Director	$4,894	$0	$4,894
MYOSHIA JOHNSON	CRAFT DIRECTOR ASST	3.00	Officer Director	$9,189	$0	$9,189
TROY HARRISON	MVS DIRECTOR	3.00	Officer Director	$5,208	$0	$5,208
MELISSA CLINE	HP DIRECTOR	3.00	Officer Director	$4,918	$0	$4,918
FREDERICK JACKSON	HR DIRCTOR	3.00	Officer Director	$4,144	$0	$4,144

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	$304,228	$331,560	$524,254	$-27,332
2024	$280,299	$329,764	$549,494	$-49,465
2023	$259,260	$305,796	$598,713	$-46,536
2022	$238,759	$229,438	$646,717	$9,321
2021	$232,921	$178,314	$635,070	$54,607

AMERICAN POSTAL WORKERS UNION 4 LOUISVILLE KY