UNITED FOOD AND COMMERCIAL WORKERS LOCAL 527 (EIN 410908842) - 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

1933

Legal Domicile

Principal Officer

JOE KEARNS

Phone

6513883785

Tax Period

2024-05-01 to 2025-04-30

UNITED FOOD AND COMMERCIAL WORKERS LOCAL 527, founded in 1933, is a small nonprofit that reported $139K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $183K exceeded revenue, resulting in a 32% operating deficit.

Mission

LOCAL LABOR UNION FORMED TO PROMOTE THE SAFETY AND WELL BEING OF OUR MEMBERS.

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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 $132,250

Investment Income $4,674

Other Revenue $1,895

TOTAL REVENUE $138,819

Expense Breakdown

Grants Paid $2,554

Salaries & Benefits $67,117

Fundraising Expenses $0

Other Expenses $113,821

TOTAL EXPENSES $183,492

Year-over-Year Comparison

	2024	2023	Change
Revenue	$138,819	$122,642	+0.1%
Expenses	$183,492	$166,797	+0.1%
Net Income	$-44,673	$-44,155	+0.0%

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

$36,792

Total Directors

$36,792

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH KEARNS	PRESIDENT	6.00	Officer Director	$19,495	$0	$19,495
COLE FOX	SECRETARY/TREASURER	2.00	Officer Director	$6,375	$0	$6,375
BILLY LAMPMAN	VICE PRESIDENT	1.00	Officer Director	$3,460	$0	$3,460
SPENCER MILLER	VICE PRESIDENT	1.00	Officer Director	$85	$0	$85
TIM HAGLAND	VICE PRESIDENT	1.00	Officer Director	$955	$0	$955
ANDY CARPENTER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
TERRY JUAIRE-ENGLUND	RECORDING SECRETARY	1.00	Officer Director	$6,422	$0	$6,422
AMY CASEY	VICE PRESIDENT	1.00	Officer 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	$138,819	$183,492	$75,219	$-44,673
2024	$122,642	$166,797	$119,892	$-44,155
2023	$152,112	$155,399	$164,847	$-3,287
2022	$177,130	$172,368	$168,239	$4,762
2021	$146,821	$121,665	$163,235	$25,156
2020	$162,819	$165,834	$137,618	$-3,015
2019	$190,081	$211,303	$141,191	$-21,222

UNITED FOOD AND COMMERCIAL WORKERS LOCAL 527