UA LOCAL 85 SUPPLEMENTAL UNEMPLOYMENT BENEFIT FUND (EIN 383296939) - 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

1995

Legal Domicile

Principal Officer

JUSTIN POMERVILLE

Phone

2488139800

Tax Period

2023-05-01 to 2024-04-30

UA LOCAL 85 SUPPLEMENTAL UNEMPLOYMENT BENEFIT FUND, founded in 1995, is a small nonprofit that reported $573K in total revenue in fiscal year 2023. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $407K, a strong 71% operating margin.

Mission

THE SAGINAW PLUMBERS AND PIPEFITTERS LOCAL 85 SUPPLEMENTAL UNEMPLOYMENT BENEFIT FUND IS CRAFTED FOR THE PURPOSE OF PROVIDING SUPPLEMENTAL UNEMPLOYEMENT BENEFITS TO UNION MEMBERS UNDER A COLLECTIVELY BARGAINED AGREEMENT, ON BEHALF OF THE SAGINAW PLUMBERS AND PIPEFITTERS U.A. LOCAL NO. 85, IN COMPLIANCE WITH THE TAFT-HARTLEY ACT.

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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 $424,576

Investment Income $148,096

Other Revenue $512

TOTAL REVENUE $573,184

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,562

Fundraising Expenses $0

Program Expenses $166,280

Other Expenses $36,140

TOTAL EXPENSES $166,280

Year-over-Year Comparison

	2023	2022	Change
Revenue	$573,184	$421,884	+0.4%
Expenses	$166,280	$268,922	-0.4%
Net Income	$406,904	$152,962	+1.7%

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

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

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

$158,548

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUSTIN POMERVILLE	CHAIRMAN	1.00	Director	$0	$0	$158,548
JAMES BADOUR	TRUSTEE	0.00		$0	$0	$113,840
RYAN KATZ	TRUSTEE	1.00	Director	$0	$0	$0
ANDREW MARTIN	TRUSTEE	1.00	Director	$0	$0	$0
JASON SAMPLE	SECRETARY	1.00	Director	$0	$0	$0
MICHAEL WOODS	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	No data	No data	No data	No data
2024	$573,184	$166,280	$2,065,619	$406,904
2023	$421,884	$268,922	$1,710,579	$152,962
2022	$417,961	$341,855	$1,551,016	$76,106
2021	$429,589	$454,533	$1,510,591	$-24,944
2020	$375,219	$471,491	$1,511,577	$-96,272
2019	$442,771	$285,685	$1,529,063	$157,086

UA LOCAL 85 SUPPLEMENTAL UNEMPLOYMENT BENEFIT FUND