BAKERY CONFECTIONERY TOBACCO WORKERS AND GRAIN MILLERS LOCAL 103-G (EIN 370794302) - 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

Edward Arsenault

Phone

2178752400

Tax Period

2025-01-01 to 2025-12-31

BAKERY CONFECTIONERY TOBACCO WORKERS AND GRAIN MILLERS LOCAL 103-G, founded in 1999, is a small nonprofit that reported $317K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $271K left a modest 14% surplus.

Mission

Representing the Union members of local 103G in Decatur IL

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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 (2025)

Revenue Breakdown

Contributions & Grants $304,546

Program Service Revenue $11,980

Investment Income $90

Other Revenue $100

TOTAL REVENUE $316,716

Expense Breakdown

Grants Paid $0

Salaries & Benefits $72,445

Fundraising Expenses $0

Program Expenses $0

Other Expenses $198,380

TOTAL EXPENSES $270,825

Year-over-Year Comparison

	2025	2024	Change
Revenue	$316,716	$271,508	+0.2%
Expenses	$270,825	$230,652	+0.2%
Net Income	$45,891	$40,856	+0.1%

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

N/A

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

$52,005

Total Directors

$1,031

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael G Anderson	Trustee	1.00	Director	$70	$0	$70
Kyle A Finn	Trustee	1.00	Director	$148	$0	$148
James A Rutledge	Trustee	1.00	Director	$129	$0	$129
Elisabeth R Trimmer	Trustee	1.00	Director	$375	$0	$684
Edward J Arsenault	President	1.00	Officer	$364	$0	$1,713
Kyle X Bowers	Vice President	1.00	Officer	$736	$0	$1,785
Dennis R Huffman	Chief Steward Corn	1.00	Officer	$866	$0	$1,915
James R Lingard	Financial Secretary	2.00	Officer	$1,432	$0	$2,606
Ronald A Snyder	Chief Steward Trucking	1.00	Officer	$498	$0	$690
Thomas L Thompson	Chief Steward Soy	1.00	Officer	$620	$0	$1,669
Perry L Welker	Chief Steward SFI	1.00	Officer	$236	$0	$1,285
James A Woods	Chief Steward Trucking	1.00	Officer	$975	$0	$1,935
Nicole C May	Business Agent	28.00	Officer	$38,407	$0	$38,407

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	$316,716	$270,825	$552,361	$45,891
2024	No data	No data	No data	No data
2023	$311,968	$304,512	$460,570	$7,456
2022	$276,232	$255,702	$449,797	$20,530
2021	$246,884	$286,429	$428,552	$-39,545
2020	$252,632	$205,502	$466,178	$47,130
2019	$243,140	$220,359	$416,744	$22,781
2018	$223,801	$229,681	$393,710	$-5,880

BAKERY CONFECTIONERY TOBACCO WORKERS AND GRAIN MILLERS LOCAL 103-G