UNITED FOOD AND COMMERCIAL WORKERS UNION LOCAL NO 360 (EIN 384095355) - 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

2019

Legal Domicile

Principal Officer

SAM FERRAINO

Phone

8567674001

Tax Period

2025-01-01 to 2025-12-31

UNITED FOOD AND COMMERCIAL WORKERS UNION LOCAL NO 360, founded in 2019, is a community nonprofit in the Employment sector that reported $6.3M in total revenue in fiscal year 2025.

Mission

TO IMPROVE THE WORKING CONDITIONS AND ECONOMIC INTERESTS OF ITS MEMBERSHIP.

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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 $0

Program Service Revenue $5,833,966

Investment Income $25,192

Other Revenue $440,662

TOTAL REVENUE $6,299,820

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,427,044

Fundraising Expenses $0

Other Expenses $2,745,857

TOTAL EXPENSES $6,172,901

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,299,820	$6,404,514	0.0%
Expenses	$6,172,901	$5,967,426	+0.0%
Net Income	$126,919	$437,088	-0.7%

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

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

$1,365,165

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAM FERRAINO	PRESIDENT	45.00	Officer	$256,265	$13,400	$269,665
TIM TERIFAY	SECRETARY/TR	45.00	Officer	$160,459	$10,195	$170,654
CHARLES VANARTSDALEN	VICE PRESIDE	40.00	Officer	$160,743	$9,121	$169,864
TERRI DUNNET	VICE PRESIDE	40.00	Officer	$118,365	$7,935	$126,300
HELEN IRELAND POLIZZI	RECORDING SE	40.00	Officer	$117,904	$8,028	$125,932
HUGH GIORDANO	VICE PRESIDE	40.00	Officer	$119,882	$5,871	$125,753
FRANK PAGANO	VICE PRESIDE	40.00	Officer	$102,191	$4,793	$106,984
MIKE O'BRIEN	VICE PRESIDE	40.00	Officer	$71,234	$5,850	$77,084
PAUL PROSSER	VICE PRESIDE	40.00	Officer	$64,438	$3,295	$67,733
MICHELL MARINNIE	VICE PRESIDE	40.00	Officer	$51,073	$6,993	$58,066
SHERRY TAYLOR	VICE PRESIDE	1.00	Officer	$12,253	$0	$12,253
PAUL CORTESINI	VICE PRESIDE	1.00	Officer	$7,248	$0	$7,248
VINCENT GRANTON	VICE PRESIDE	1.00	Officer	$7,248	$0	$7,248
MIKE HOLLOWAY	VICE PRESIDE	1.00	Officer	$7,248	$0	$7,248
MICHAEL GRABAS JR	VICE PRESIDE	1.00	Officer	$7,248	$0	$7,248
STEVE MARTIN	VICE PRESIDE	1.00	Officer	$7,248	$0	$7,248
CLAIR MCCORT	VICE PRESIDE	1.00	Officer	$7,248	$0	$7,248
JAY WILSON	VICE PRESIDE	1.00	Officer	$5,695	$0	$5,695
DENISE BRADDOCK	VICE PRESIDE	1.00	Officer	$5,694	$0	$5,694

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	$6,299,820	$6,172,901	$9,420,287	$126,919
2024	$6,404,514	$5,967,426	$9,105,741	$437,088
2023	$6,497,476	$6,117,861	$8,616,753	$379,615
2022	$5,969,280	$6,003,869	$8,219,636	$-34,589
2021	$6,407,654	$5,753,381	$8,482,638	$654,273
2020	$6,011,848	$6,066,578	$8,353,904	$-54,730
2019	$13,438,657	$6,827,800	$7,876,924	$6,610,857

UNITED FOOD AND COMMERCIAL WORKERS UNION LOCAL NO 360