HEAT & FROST INSULATORS LOCAL #84 (EIN 340859292) - 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

1968

Legal Domicile

Principal Officer

KEVIN STREBY

Phone

3303460622

Tax Period

2025-01-01 to 2025-12-31

HEAT & FROST INSULATORS LOCAL #84, founded in 1968, is a small nonprofit that reported $759K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $709K left a modest 7% surplus.

Mission

PROMOTE BY PROPER MEANS THE MATERIAL AND INTELLECTUAL WELFARE OF ITS MEMBERS

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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 $740,216

Program Service Revenue $0

Investment Income $2,744

Other Revenue $15,663

TOTAL REVENUE $758,623

Expense Breakdown

Grants Paid $0

Salaries & Benefits $434,171

Fundraising Expenses $0

Other Expenses $262,568

TOTAL EXPENSES $708,799

Year-over-Year Comparison

	2025	2024	Change
Revenue	$758,623	$698,844	+0.1%
Expenses	$708,799	$724,046	0.0%
Net Income	$49,824	$-25,202	-3.0%

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

$4,372

Total Directors

$197,908

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN STREBY	BUSINESS MANAGER	48.00	Director	$111,269	$0	$111,269
STEVEN NILES	PRESIDENT	1.00	Officer Director	$3,171	$0	$3,171
AUSTIN DURFEE	RECORDING SECRETARY	1.00	Officer Director	$0	$0	$0
KYLE CONGROVE	VICE-PRESIDENT	1.00	Director	$0	$0	$0
SCOTT ARNET	EXECUTIVE BOARD	1.00	Director	$0	$0	$0
KEVIN GARCHAR	EXECUTIVE BOARD	1.00	Director	$0	$0	$0
SCOTT MOLLOHAN	EXECUTIVE BOARD	1.00	Director	$0	$0	$0
RYAN GUY	TREASURER	8.00	Officer Director	$1,201	$0	$1,201
SCOTT ARNET	ORGANIZER/TREASURER	40.00	Director	$82,267	$0	$82,267
ALEX FANZO	EXECUTIVE BOARD	1.00	Director	$0	$0	$0
TRAVIS METZ	EXECUTIVE BOARD	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	$758,623	$708,799	$1,975,134	$49,824
2024	$698,844	$724,046	$1,925,308	$-25,202
2023	$811,333	$739,985	$1,950,512	$71,348
2022	$830,364	$686,667	$1,879,164	$143,697
2021	$1,035,499	$634,832	$1,735,466	$400,667
2020	$634,929	$745,173	$1,537,336	$-110,244
2019	$627,566	$800,359	$1,656,862	$-172,793
2018	$1,548,599	$887,026	$1,839,409	$661,573

HEAT & FROST INSULATORS LOCAL #84