UNITED ASSOC OF JOURNEYMEN & APPREN LOCAL UNION 495 (EIN 340846803) - 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

1937

Legal Domicile

Principal Officer

CHAD WALKER

Phone

7404393623

Tax Period

2025-01-01 to 2025-12-31

UNITED ASSOC OF JOURNEYMEN & APPREN LOCAL UNION 495, founded in 1937, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Net assets of $5.9M represent 30 months of operating reserves.

Mission

IMPROVE WAGES, JOBS AND 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,108,058

Investment Income $195,011

Other Revenue $24,258

TOTAL REVENUE $2,327,327

Expense Breakdown

Grants Paid $7,203

Salaries & Benefits $682,991

Fundraising Expenses $0

Other Expenses $591,598

TOTAL EXPENSES $2,266,025

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,327,327	$2,071,579	+0.1%
Expenses	$2,266,025	$1,991,563	+0.1%
Net Income	$61,302	$80,016	-0.2%

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

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

$439,227

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHAD WALKER	BUSINESS MAN	40.00	Officer Director	$131,851	$0	$131,851
JAY SUSTIK	BUSINESS AGE	40.00	Officer Director	$108,086	$0	$108,086
GREG LAUVRAY	TREASURER	1.00	Officer Director	$2,246	$0	$2,246
DALE WALKER	PRESIDENT	1.00	Director	$1,996	$0	$104,570
WILLIAM WALKER	EXAM BOARD	1.00	Director	$1,796	$0	$1,796
ZACK HARBAUGH	FINANCE COMM	1.00	Director	$0	$0	$0
JOHN LARRISON	EXEC BOARD	1.00	Director	$873	$0	$71,842
JOSH THOMAS COEN	EXECUTIVE BO	1.00	Director	$2,046	$0	$2,046
NICK HAUK	EXECUTIVE BO	1.00	Director	$275	$0	$5,579
JAMES HOPKINS	EXAM BOARD	1.00	Director	$100	$0	$100
JEREMY BROWN	FINANCE COMM	1.00	Director	$0	$0	$0
NATHAN HANSON	EXEC BOARD	1.00	Director	$100	$0	$100
STEPHEN OGLE	EXAM BOARD	1.00	Director	$1,796	$0	$1,796
JARED SUSIL	FINANCE COMM	1.00	Director	$0	$0	$9,215
TROY OGLE	EXAM BOARD	1.00	Director	$0	$0	$0
KIRK SCHEURMAN	EXAM BOARD	1.00	Director	$0	$0	$0
TIMOTHY HOWARD	EXAM BOARD	1.00	Director	$0	$0	$0
WYATT MILEY	INSIDE GUARD	1.00	Director	$0	$0	$0
BRIAN MOORE	VICE PRESIDE	1.00	Officer 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	$2,327,327	$2,266,025	$5,874,378	$61,302
2024	No data	No data	No data	No data
2023	$1,982,937	$1,825,067	$5,734,570	$157,870
2022	$1,654,938	$1,608,659	$5,575,190	$46,279
2021	$3,012,246	$2,120,817	$5,528,911	$891,429
2020	$2,604,801	$1,795,916	$4,647,316	$808,885
2019	$1,901,146	$1,493,521	$3,829,808	$407,625
2018	$1,834,271	$1,672,072	$3,422,315	$162,199

UNITED ASSOC OF JOURNEYMEN & APPREN LOCAL UNION 495