NORTHWEST BUILDERS ASSOCIATION (EIN 362212295) - 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

1950

Legal Domicile

Principal Officer

ROBERT MORREALE

Phone

6302792800

Tax Period

2023-01-01 to 2023-12-31

NORTHWEST BUILDERS ASSOCIATION, founded in 1950, is a micro nonprofit that reported $56K in total revenue in fiscal year 2023. Expenses of $63K exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROMOTE CHARITABLE ENDEAVORS THROUGH DUES RECEIVED AND FUNCTIONS HELD BY AN ASSOCIATION OF BUILDERS, SUPPLIERS AND ASSOCIATE MEMBERS IN THE NORTHWEST METROPOLITAN CHICAGO AREA.

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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 $11,370

Program Service Revenue $6,823

Investment Income $37,754

Other Revenue $0

TOTAL REVENUE $55,947

Expense Breakdown

Grants Paid $0

Salaries & Benefits $40,635

Fundraising Expenses $0

Other Expenses $22,835

TOTAL EXPENSES $63,470

Year-over-Year Comparison

	2023	2022	Change
Revenue	$55,947	N/A	N/A
Expenses	$63,470	N/A	N/A
Net Income	$-7,523	N/A	N/A

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

$38,000

Total Directors

$38,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRED FOREST	SECRETARY/TR	5.00	Officer Director	$15,200	$3,800	$19,000
ROBERT MORREALE	PRESIDENT	5.00	Officer Director	$15,200	$3,800	$19,000
DENNIS BIERDON	DIRECTOR	1.00	Director	$0	$0	$0
PHILIP BROOKS	DIRECTOR	1.00	Director	$0	$0	$0
GREG FETRO	DIRECTOR	1.00	Director	$0	$0	$0
CATHY KIRIN	DIRECTOR	1.00	Director	$0	$0	$0
MICHELE MILEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
HECTOR MININI	DIRECTOR	1.00	Director	$0	$0	$0
DAN PONTARELLI	DIRECTOR	1.00	Director	$0	$0	$0
MIKE PORTINCASO	DIRECTOR	1.00	Director	$0	$0	$0
RALPH SANDSTROM	DIRECTOR	1.00	Director	$0	$0	$0
TOM SIROVATKA	DIRECTOR	1.00	Director	$0	$0	$0
RICH BAGGIO	VICE PRESIDE	1.00	Officer	$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
2023	$55,947	$63,470	$295,962	$-7,523
2021	$66,241	$64,568	$422,105	$1,673
2020	$46,983	$69,764	$419,324	$-22,781
2019	$39,117	$81,698	$469,402	$-42,581
2018	$-69,083	$77,221	$450,983	$-146,304

NORTHWEST BUILDERS ASSOCIATION