RAILROAD MAINTENANCE & INDUSTRIAL HEALTH & WELFARE FUND (EIN 371023648) - 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

1977

Legal Domicile

Principal Officer

DORA CRENSHAW

Phone

2177872923

Tax Period

2023-05-01 to 2024-04-30

RAILROAD MAINTENANCE & INDUSTRIAL HEALTH & WELFARE FUND, founded in 1977, is a mid-sized nonprofit that reported $26.4M in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $9.2M, a strong 35% operating margin.

Mission

HEALTH & WELFARE PLAN

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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 $0

Program Service Revenue $24,832,593

Investment Income $1,387,685

Other Revenue $219,330

TOTAL REVENUE $26,439,608

Expense Breakdown

Grants Paid $0

Salaries & Benefits $723,074

Fundraising Expenses $0

Other Expenses $566,512

TOTAL EXPENSES $17,216,158

Year-over-Year Comparison

	2023	2022	Change
Revenue	$26,439,608	$24,282,942	+0.1%
Expenses	$17,216,158	$17,539,405	0.0%
Net Income	$9,223,450	$6,743,537	+0.4%

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

$238,991

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES J DALOISIO	SEC/TREAS	1.00	Officer Director	$0	$0	$0
DAVID A FAGAN	TRUSTEE	1.00	Director	$0	$0	$0
MARK A BROWN	TRUSTEE	1.00	Director	$0	$0	$0
STEVEN M CISCO	TRUSTEE	1.00	Director	$0	$0	$0
MATTHEW E SMITH	TRUSTEE	1.00	Director	$0	$0	$0
LINDA LAURELLO	TRUSTEE	1.00	Director	$0	$0	$0
BILL MORREN	TRUSTEE	1.00	Director	$0	$0	$0
DAVID FRYE	CHAIRMAN	1.00	Officer Director	$0	$0	$0
DORA L CRENSHAW	EXEC ADMINISTRATOR	40.00	Officer	$151,585	$87,406	$238,991

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	No data	No data	No data	No data
2024	$26,439,608	$17,216,158	$45,125,908	$9,223,450
2023	$24,282,942	$17,539,405	$35,337,410	$6,743,537
2022	$26,100,304	$10,937,455	$28,619,189	$15,162,849
2021	$21,519,378	$15,645,605	$24,953,837	$5,873,773
2020	$20,447,595	$18,125,228	$17,878,544	$2,322,367
2019	$18,575,554	$17,247,051	$15,403,021	$1,328,503

RAILROAD MAINTENANCE & INDUSTRIAL HEALTH & WELFARE FUND