NATIONAL ASSOCIATION OF LETTER CARRIERS BRANCH #245 (EIN 366160643) - 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

1891

Legal Domicile

Principal Officer

LAWRENCE STEWARD

Phone

2245055952

Tax Period

2024-01-01 to 2024-12-31

NALC BRANCH 245 is a small nonprofit that reported $133K in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $31K, a strong 23% operating margin.

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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 $148,584

Program Service Revenue $4,482

Investment Income $1,826

Other Revenue $0

TOTAL REVENUE $154,892

Expense Breakdown

Grants Paid $0

Salaries & Benefits $44,693

Fundraising Expenses $0

Other Expenses $108,179

TOTAL EXPENSES $177,804

Year-over-Year Comparison

	2024	2023	Change
Revenue	$154,892	$153,766	+0.0%
Expenses	$177,804	$146,043	+0.2%
Net Income	$-22,912	$7,723	-4.0%

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

279

Independent Members

257

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

$53,358

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAWRENCE STEWARD	PRESIDENT	4.00	Officer	$4,844	$4,844	$9,688
TENESHA ADAMS	VICE PRESIDENT	2.00	Officer	$4,060	$4,060	$8,120
MELINDA BUNGER	SECRETARY	2.00	Officer	$3,000	$3,000	$6,000
DANIEL WALLACE	TREASURER	2.00	Officer	$3,675	$3,675	$7,350
JONATHON TAYLOR	SERGEANT-AT-ARMS	2.00	Officer	$1,500	$1,500	$3,000
CRAIG KUTZELMAN	TRUSTEE	2.00	Officer	$1,500	$1,500	$3,000
TAMMY HENRY	TRUSTEE	2.00	Officer	$1,200	$1,200	$2,400
COREY DITSWORTH	TRUSTEE	2.00	Officer	$1,500	$1,500	$3,000
BARRY KIRCHNER	HEALTH BENEFITS REP	2.00	Officer	$1,500	$1,500	$3,000
MICHELE BROWN	MUTUAL BENEFITS REP	2.00	Officer	$375	$375	$750
TIFFANY HINES	OWCP/STEWARD AT LARGE	2.00	Officer	$1,875	$1,875	$3,750
KATIE DORLAND	EDITOR	2.00	Officer	$1,650	$1,650	$3,300

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	$154,892	$177,804	$276,849	$-22,912
2023	$153,766	$146,043	$295,809	$7,723
2022	$147,057	$134,507	$285,844	$12,550
2021	$136,707	$150,586	$274,484	$-13,879
2020	$144,928	$101,143	$290,142	$43,785
2018	$133,001	$102,192	$224,790	$30,809

NATIONAL ASSOCIATION OF LETTER CARRIERS BRANCH #245