MISC WHSMENS LOCAL 781 H & W FUND (EIN 366117757) - 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

1960

Legal Domicile

Principal Officer

PAUL J STRIPLING

Phone

8472989999

Tax Period

2024-07-01 to 2025-06-30

MISC WHSMENS LOCAL 781 H & W FUND, founded in 1960, is a community nonprofit that reported $9.9M in total revenue in fiscal year 2024. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $11.9M exceeded revenue, resulting in a 20% operating deficit.

Mission

TO PROVIDE HEALTH BENEFITS AND DEATH BENEFITS TO ELIGIBLE PARTICIPANTS AND COVERED DEPENDENTS.

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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 $9,099,403

Investment Income $805,899

Other Revenue $0

TOTAL REVENUE $9,905,302

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $896,331

TOTAL EXPENSES $11,934,795

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,905,302	$8,233,387	+0.2%
Expenses	$11,934,795	$8,957,820	+0.3%
Net Income	$-2,029,493	$-724,433	+1.8%

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

$480,042

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID ABRAMSON	FORMER MANAGEMENT TRUSTEE	1.00	Director	$0	$0	$0
BARBARA BRIDGER	MANAGEMENT TRUSTEE	1.00	Director	$0	$0	$0
PAUL J STRIPLING	LABOR TRUSTEE	6.00	Director	$0	$34,096	$271,475
TRACY L TREADWELL	LABOR TRUSTEE	2.00	Director	$0	$34,096	$208,567
TED GRZYWACZ	MANAGEMENT TRUSTEE	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	$9,905,302	$11,934,795	$23,841,523	$-2,029,493
2024	$8,233,387	$8,957,820	$24,087,617	$-724,433
2023	$8,427,362	$8,233,579	$24,054,252	$193,783
2022	$11,981,549	$8,928,058	$23,381,984	$3,053,491
2022	$11,981,549	$8,928,058	$23,381,984	$3,053,491
2021	$12,310,886	$9,601,230	$24,763,111	$2,709,656
2020	$10,934,001	$9,268,347	$21,535,915	$1,665,654
2019	$10,234,971	$10,572,402	$19,987,624	$-337,431
2018	$8,284,329	$8,454,186	$19,601,346	$-169,857

MISC WHSMENS LOCAL 781 H & W FUND