PLUMBERS & PIPEFITTERS LU 495 JAC (EIN 310907387) - 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

1936

Legal Domicile

Principal Officer

CHAD WALKER

Phone

7404393623

Tax Period

2025-01-01 to 2025-12-31

PLUMBERS & PIPEFITTERS LU 495 JAC, founded in 1936, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $937K left a modest 12% surplus.

Mission

TRAINING FOR APRRENTICES OF PLUMBERS LOCAL UNION 495

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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 (2025)

Revenue Breakdown

Contributions & Grants $13,000

Program Service Revenue $1,011,642

Investment Income $43,660

Other Revenue $282

TOTAL REVENUE $1,068,584

Expense Breakdown

Grants Paid $0

Salaries & Benefits $643,956

Fundraising Expenses $0

Program Expenses $937,297

Other Expenses $293,341

TOTAL EXPENSES $937,297

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,068,584	$903,584	+0.2%
Expenses	$937,297	$957,881	0.0%
Net Income	$131,287	$-54,297	-3.4%

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

$242,408

Total Directors

$123,866

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHAD WALKER	BUSINESS MAN	1.00	Officer	$0	$0	$131,851
JAY SUSTIK	TRUSTEE	1.00	Officer Director	$0	$0	$108,086
ROGER TOUVELL	TRUSTEE	1.00	Director	$7,527	$0	$7,527
MARC BARNETT	TRUSTEE	1.00	Director	$2,863	$0	$5,009
ROBERT TORRANCE	PRESIDENT	1.00	Officer Director	$1,704	$0	$1,704
ROBERT HICKLE	TRUSTEE	1.00	Director	$773	$0	$773
DOUG PETERMAN JR	SECRETARY	1.00	Officer Director	$767	$0	$767

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	$1,068,584	$937,297	$1,704,502	$131,287
2024	No data	No data	No data	No data
2023	$854,819	$948,392	$1,621,194	$-93,573
2022	$753,787	$924,104	$1,714,767	$-170,317
2021	$1,347,818	$806,018	$1,885,084	$541,800
2020	$1,161,619	$727,995	$1,346,310	$433,624
2019	$804,296	$821,456	$912,570	$-17,160
2018	$728,217	$808,978	$928,911	$-80,761

PLUMBERS & PIPEFITTERS LU 495 JAC