UNITED FOOD & COMMERCIAL WORKERS UNION LOCAL 1546 HEALTH & WELFARE (EIN 362139906) - 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

1949

Legal Domicile

Principal Officer

ROBERT O'TOOLE

Phone

3128290850

Tax Period

2023-09-01 to 2024-08-31

UNITED FOOD & COMMERCIAL WORKERS UNION LOCAL 1546 HEALTH & WELFARE, founded in 1949, is a mid-sized nonprofit that reported $41.8M in total revenue in fiscal year 2023. The organization ran a surplus of $7.8M, a strong 19% operating margin.

Mission

PROVIDE HEALTH BENEFITS

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $40,025,490

Investment Income $1,743,317

Other Revenue $12,229

TOTAL REVENUE $41,781,036

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,308,351

Fundraising Expenses $0

Other Expenses $1,143,786

TOTAL EXPENSES $33,949,140

Year-over-Year Comparison

	2023	2022	Change
Revenue	$41,781,036	$39,613,202	+0.1%
Expenses	$33,949,140	$29,655,414	+0.1%
Net Income	$7,831,896	$9,957,788	-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

$231,832

Total Directors

$972,505

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT O'TOOLE	TRUSTEE/CHAIRMAN	2.00	Director	$0	$29,085	$220,613
JONATHAN WILLIGMAN	TRUSTEE	2.00	Director	$0	$29,006	$208,164
MARIO MARIN	TRUSTEE - PAST	2.00	Director	$0	$27,865	$149,165
DENNIS HERNANDEZ	TRUSTEE	2.00	Director	$0	$27,244	$123,739
DWIGHT STIEHL	TRUSTEE/SECRETARY	2.00	Director	$0	$0	$0
ROBERT E APATO	TRUSTEE	2.00	Director	$0	$0	$0
JORDAN LAUZZE	TRUSTEE	2.00	Director	$0	$0	$0
BRIAN TYLER	TRUSTEE	2.00	Director	$0	$0	$0
ARTURO HUIZAR	TRUSTEE	2.00	Director	$0	$27,310	$121,261
BRENDA MICHALEK	TRUSTEE	2.00	Director	$0	$0	$0
JEFF WEISS	TRUSTEE - NEW	2.00	Director	$0	$27,866	$149,563
KENNETH BOYD	MANAGING DIRECTOR	23.00	Officer	$231,832	$0	$231,832
WALTER KOZIN	DENTAL MANAGER/DENTIST	40.00	Highest	$247,210	$11,262	$258,472
MAREK MROCZKA	DENTIST	40.00	Highest	$192,807	$11,262	$204,069
MYROSLAW DYCHIY	DENTIST	40.00	Highest	$197,066	$11,262	$208,328
RASHMI SHUKLA	DENTIST	40.00	Highest	$153,841	$11,262	$165,103
MARIA HERNANDEZ	PHARMACY MANAGER/PHARMACIST	40.00	Highest	$160,344	$11,262	$171,606

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
2024	$41,781,036	$33,949,140	$62,349,049	$7,831,896
2023	$39,613,202	$29,655,414	$51,260,462	$9,957,788
2022	$35,242,755	$27,684,242	$39,046,081	$7,558,513
2021	$33,931,310	$31,121,700	$34,247,217	$2,809,610
2020	$33,469,122	$32,006,169	$29,230,247	$1,462,953
2019	$32,647,488	$30,050,742	$25,809,485	$2,596,746
2018	$31,505,581	$27,836,352	$22,594,453	$3,669,229

UNITED FOOD & COMMERCIAL WORKERS UNION LOCAL 1546 HEALTH & WELFARE