AMERICAN POSTAL WORKERS UNION (EIN 237345070) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1970

Legal Domicile

Principal Officer

jerome cosby

Phone

8043556070

Tax Period

2025-01-01 to 2025-12-31

AMERICAN POSTAL WORKERS UNION, founded in 1970, is a small nonprofit that reported $367K in total revenue in fiscal year 2020. The organization ran a surplus of $95K, a strong 26% operating margin.

Mission

to give member benefit and unify them

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $509,876

Investment Income $0

Other Revenue $0

TOTAL REVENUE $509,876

Expense Breakdown

Grants Paid $0

Salaries & Benefits $202,538

Fundraising Expenses $0

Program Expenses $445,475

Other Expenses $169,720

TOTAL EXPENSES $445,475

Year-over-Year Comparison

	2025	2024	Change
Revenue	$509,876	$464,227	+0.1%
Expenses	$445,475	$258,683	+0.7%
Net Income	$64,401	$205,544	-0.7%

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

925

Independent Members

925

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

$132,984

Total Directors

Key Employees

$88,285

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
jerome cosby	president	20.3	Officer Key Emp	$39,990	$0	$39,990
Do chung	treasurer	20.4	Officer	$38,226	$0	$38,226
22 other memberfs	steward	0.5	Key Emp	$21,008	$0	$21,008
Sand terry	vice president	6.2	Key Emp	$11,556	$0	$11,556
smith williams	dir of maintenance	5.4	Officer	$9,784	$0	$9,784
wilson tifany	steward	4.8	Officer	$9,211	$0	$9,211
Syl grooms	director of industrial section	4.7	Officer	$8,848	$0	$8,848
christ chamber	dir of clerk craft	4.4	Officer	$8,457	$0	$8,457
mia corbett	secretary	2.1	Officer	$4,011	$0	$4,011
lary light foot	dir of motor vehicle	2.1	Officer	$3,982	$0	$3,982
paul robinson	dir of building	2	Officer	$3,661	$0	$3,661
stephens vernon	steward	1.6	Officer	$3,092	$0	$3,092
allen dana	steward	1.6	Key Emp	$3,043	$0	$3,043
m marcellus	steward	1.5	Key Emp	$2,804	$0	$2,804
t tsha	steward	1.2	Key Emp	$2,201	$0	$2,201
a stacy	steward	1.1	Key Emp	$2,103	$0	$2,103
alp williams	steward	1.1	Officer	$2,001	$0	$2,001
a rutledge	steward	1.03	Key Emp	$1,940	$0	$1,940
mary woodward	steward	0.92	Officer	$1,721	$0	$1,721
k gordon	steward	0.7	Key Emp	$1,298	$0	$1,298
brenda crute staten	steward	0.6	Key Emp	$1,171	$0	$1,171
j young	steward	0.6	Key Emp	$1,171	$0	$1,171

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	$509,876	$445,475	$536,625	$64,401
2024	$473,483	$394,570	$473,565	$78,913
2023	$452,082	$509,867	$401,728	$-57,785
2022	$387,775	$364,923	$454,563	$22,852
2021	$365,244	$235,841	$439,597	$129,403
2020	$366,623	$271,690	$303,917	$94,933

AMERICAN POSTAL WORKERS UNION