JULY PRODUCTS LLC-USW RETIREE WELFARE TRUST (EIN 237865797) - 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

2004

Legal Domicile

Principal Officer

JEANETTE STUMP

Phone

4122012242

Tax Period

2024-07-01 to 2025-06-30

JULY PRODUCTS LLC-USW RETIREE WELFARE TRUST, founded in 2004, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Revenue surged 51% from the prior year, signaling strong growth momentum. The organization ran a surplus of $701K, a strong 33% operating margin.

Mission

TO PAY WELFARE BENEFITS FOR RETIRED PARTICIPANTS.

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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 $0

Investment Income $2,102,364

Other Revenue $0

TOTAL REVENUE $2,102,364

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,000

Fundraising Expenses $0

Other Expenses $161,013

TOTAL EXPENSES $1,401,831

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,102,364	$1,390,981	+0.5%
Expenses	$1,401,831	$1,358,442	+0.0%
Net Income	$700,533	$32,539	+20.5%

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

$6,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEANETTE STUMP	JOINT ADMINISTRATION COMMITTEE MEMBER	1.00	Director	$6,000	$0	$6,000
ALICE SHENG	JOINT ADMINISTRATION COMMITTEE MEMBER	1.00	Director	$0	$0	$0
CARLOS SALAZAR	JOINT ADMINISTRATION COMMITTEE MEMBER	1.00	Director	$0	$0	$0
RACHAEL DAVIS	JOINT ADMINISTRATION COMMITTEE MEMBER	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
2025	$2,102,364	$1,401,831	$23,276,470	$700,533
2024	$1,390,981	$1,358,442	$22,904,987	$32,539
2023	$1,571,444	$1,462,228	$21,533,609	$109,216
2022	$1,318,013	$1,302,334	$21,167,647	$15,679
2021	$2,037,988	$1,544,082	$25,353,494	$493,906
2020	$1,281,301	$1,600,287	$22,032,906	$-318,986
2019	$1,541,977	$1,501,302	$22,155,819	$40,675
2018	$1,529,907	$1,813,563	$21,540,409	$-283,656

JULY PRODUCTS LLC-USW RETIREE WELFARE TRUST