CEMENT MASONS HEALTH AND WELFARE F… - Form 990 Financial Data

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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

1965

Legal Domicile

Principal Officer

RYAN GROSS

Phone

6186672562

Tax Period

2024-08-01 to 2025-07-31

CEMENT MASONS HEALTH AND WELFARE FUND 90, founded in 1965, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $3.6M left a modest 5% surplus.

Mission

PROVIDE HEALTH & WELFARE BENEFITS TO ELIGIBLE MEMBERS OF OPCM LOCAL 90.

Program Service Accomplishments

Program 1

ADMINISTER HEALTH AND WELFARE FUND FOR ELIGIBLE MEMBERS AND DEPENDENTS OF OP&CM LOCAL 90

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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 $3,261,225

Investment Income $481,193

Other Revenue $77,796

TOTAL REVENUE $3,820,214

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $339,462

TOTAL EXPENSES $3,639,899

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,820,214	$3,465,117	+0.1%
Expenses	$3,639,899	$4,132,157	-0.1%
Net Income	$180,315	$-667,040	-1.3%

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

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
RYAN GROSS	CHAIRMAN	3.00	Officer Director	$0	$0	$0
MICHAEL LORENTZEN	TRUSTEE	1.00	Director	$0	$0	$0
DARREN NETEMEYER	TRUSTEE	1.00	Director	$0	$0	$0
RACHELLE LENGERMANN	TRUSTEE	1.00	Director	$0	$0	$0
DAVID GERBER	TRUSTEE	1.00	Director	$0	$0	$0
DONNA RICHTER	TRUSTEE	1.00	Director	$0	$0	$0
STEVE ALLISON	TRUSTEE	1.00	Director	$0	$0	$0
HANK ROHWEDDER	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	$3,820,214	$3,639,899	$7,508,807	$180,315
2024	$3,465,117	$4,132,157	$7,396,770	$-667,040
2023	$3,495,215	$3,873,252	$7,457,242	$-378,037
2022	$3,082,242	$3,070,741	$7,972,959	$11,501
2022	$3,111,302	$3,157,755	$7,908,404	$-46,453
2021	$3,121,346	$3,170,071	$8,585,267	$-48,725
2020	$2,996,682	$2,667,590	$8,204,330	$329,092

CEMENT MASONS HEALTH AND WELFARE FUND 90