LOCOMOTIVE ENGINEERS & CONDUCTORS MUTUAL PROTECTIVE ASSOCIATION

EIN: 380769110

Southfield, MI

Total Revenue
$23,913,871
Total Expenses
$31,907,579
Total Assets
$131,132,007
Net Assets
$101,361,351
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1910
Legal Domicile
MI
Principal Officer
Rodney Bloedow
Phone
8005140010
Tax Period
2025-01-01 to 2025-12-31

LOCOMOTIVE ENGINEERS & CONDUCTORS MUTUAL PROTECTIVE ASSOCIATION, founded in 1910, is a mid-sized nonprofit that reported $23.9M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $31.9M exceeded revenue, resulting in a 33% operating deficit.

Mission

The Association indemnifies union transportation workers against wage loss occasioned by discipline and offers other insurance benefits. U.S and Canadian member-owners are employed in hazardous crafts and trades.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $0
Investment Income $3,079,810
Other Revenue $20,834,061
TOTAL REVENUE $23,913,871

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,804,312
Fundraising Expenses $0
Program Expenses $0
Other Expenses $5,928,171
TOTAL EXPENSES $31,907,579

Year-over-Year Comparison

2025 2024 Change
Revenue $23,913,871 $21,970,563 +0.1%
Expenses $31,907,579 $20,562,874 +0.6%
Net Income $-7,993,708 $1,407,689 -6.7%
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

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Liquidity & Cash Position

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Governance

Voting Members
5
Independent Members
3
Employees
10
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
2
$668,077
Total Directors
5
$753,227
Key Employees
2
$668,077
Highest Compensated
4
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Rodney Robert Bloedow President 40
Officer Director Key Emp Highest
$384,333 $0 $384,333
Craig Norman Rehse Secretary/ Treasurer 40
Officer Director Key Emp Highest
$283,744 $0 $283,744
Pamela Joyce Heidel Employee 40
Highest
$110,366 $0 $110,366
Andrea Mary Ferrand Accountant 40
Highest
$100,360 $0 $100,360
Richard Radek Trustee 0
Director
$54,150 $0 $54,150
John Ferrell Trustee 0
Director
$21,500 $0 $21,500
Corey MacGillivray Trustee 0
Director
$9,500 $0 $9,500
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 $23,913,871 $31,907,579 $131,132,007 $-7,993,708
2024 $21,970,563 $20,562,874 $123,565,967 $1,407,689
2023 $18,962,557 $13,896,424 $110,885,611 $5,066,133
2022 $18,719,242 $13,677,600 $101,019,669 $5,041,642
2021 $19,608,261 $14,761,050 $100,075,604 $4,847,211
2020 $20,051,176 $14,701,036 $88,538,979 $5,350,140
2019 $21,298,510 $15,879,951 $83,405,337 $5,418,559
2018 $20,941,546 $17,531,966 $73,172,496 $3,409,580
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