NATIONAL ALLIED WORKERS UNION INSURANCE TRUST FUND (EIN 362241970) - 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

1999

Legal Domicile

Principal Officer

ANGELA STROUD

Phone

7738892307

Tax Period

2024-04-01 to 2025-03-31

NATIONAL ALLIED WORKERS UNION INSURANCE TRUST FUND, founded in 1999, is a community nonprofit in the Mutual Benefit sector that reported $7.3M in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year.

Mission

TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,077,274

Investment Income $224,503

Other Revenue $0

TOTAL REVENUE $7,301,777

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $341,049

TOTAL EXPENSES $7,511,413

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,301,777	$8,527,526	-0.1%
Expenses	$7,511,413	$7,521,552	0.0%
Net Income	$-209,636	$1,005,974	-1.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH DELUCA	TRUSTEE	5.00	Director	$0	$0	$0
JOSEPH HECKMAN	TRUSTEE	5.00	Director	$0	$0	$0
ANGELA STROUD	TRUSTEE	5.00	Director	$0	$0	$0
STEPHEN MAGLAYA	TRUSTEE	5.00	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	$7,301,777	$7,511,413	$6,325,714	$-209,636
2024	$8,527,526	$7,521,552	$6,495,497	$1,005,974
2023	$7,336,915	$7,461,410	$5,061,976	$-124,495
2022	$7,814,382	$9,037,395	$5,511,844	$-1,223,013
2021	$10,560,824	$10,798,814	$7,141,278	$-237,990
2020	$20,743,534	$22,182,857	$6,807,735	$-1,439,323
2019	$25,783,453	$22,000,906	$8,796,205	$3,782,547
2018	$22,734,605	$21,877,265	$4,992,408	$857,340

NATIONAL ALLIED WORKERS UNION INSURANCE TRUST FUND