PLUMBERS LOCAL 495 BUILDING CORP (EIN 311010016) - 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

1980

Legal Domicile

Principal Officer

CHAD WALKER

Phone

7404393623

Tax Period

2025-01-01 to 2025-12-31

PLUMBERS LOCAL 495 BUILDING CORP, founded in 1980, is a micro nonprofit that reported $54K in total revenue in fiscal year 2025. Revenue surged 49% from the prior year, signaling strong growth momentum. Expenses of $60K exceeded revenue, resulting in a 12% operating deficit.

Mission

HOLD REAL ESTATE FOR LOCAL 495 PLUMBERS AND PIPEFITTERS UNION.

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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 $0

Program Service Revenue $0

Investment Income $0

Other Revenue $53,808

TOTAL REVENUE $53,808

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $60,361

TOTAL EXPENSES $60,361

Year-over-Year Comparison

	2025	2024	Change
Revenue	$53,808	$36,000	+0.5%
Expenses	$60,361	$86,935	-0.3%
Net Income	$-6,553	$-50,935	-0.9%

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

$242,183

Total Directors

$246,750

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHAD WALKER	BUSINESS MAN	1.00	Officer Director	$0	$0	$131,851
JAYSON SUSTIK	BUSINESS AGE	1.00	Officer Director	$0	$0	$108,086
GREG LAUVRAY	SECRETARY	1.00	Officer Director	$0	$0	$2,246
JOSH COEN	EXEC BOARD	1.00	Director	$0	$0	$2,046
DALE WALKER	VICE PRESIDE	1.00	Director	$0	$0	$1,996
NICK HAUCK	EXEC BOARD	1.00	Director	$0	$0	$275
RUSTY RICHARDS	EXEC BOARD	1.00	Director	$0	$0	$150
JAMES HOPKINS	EXEC BOARD	1.00	Director	$0	$0	$100

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	$53,808	$60,361	$480,100	$-6,553
2024	$36,000	$86,935	$486,653	$-50,935
2023	$36,000	$68,681	$537,588	$-32,681
2022	$36,000	$54,276	$570,269	$-18,276
2021	$51,469	$60,686	$588,545	$-9,217
2020	$36,000	$54,009	$597,762	$-18,009
2019	$36,000	$45,236	$615,771	$-9,236
2018	$30,000	$56,837	$625,007	$-26,837

PLUMBERS LOCAL 495 BUILDING CORP