MN CEMENT MASONS PLASTERERS SHOPHANDS LOCAL 633 SAV TR FD (EIN 411788959) - 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

1994

Legal Domicile

Principal Officer

CHAD MORRIS

Phone

6512561900

Tax Period

2023-01-01 to 2023-12-31

MN CEMENT MASONS PLASTERERS SHOPHANDS LOCAL 633 SAV TR FD, founded in 1994, is a community nonprofit that reported $4.9M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $7.4M exceeded revenue, resulting in a 51% operating deficit.

Mission

VACATION SAVINGS PLAN

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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 $4,873,189

Investment Income $0

Other Revenue $0

TOTAL REVENUE $4,873,189

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $58,800

TOTAL EXPENSES $7,376,639

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,873,189	$4,368,384	+0.1%
Expenses	$7,376,639	$4,275,438	+0.7%
Net Income	$-2,503,450	$92,946	-27.9%

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

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

Total Directors

$535,808

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE SCHUTTA	TRUSTEE - CHAIRMAN - PAST	1.00	Director	$0	$52,023	$130,496
BRIAN GULLICKSON	TRUSTEE	1.00	Director	$0	$74,077	$202,030
TIM WORKE	TRUSTEE - SECRETARY	1.00	Director	$0	$0	$0
RYAN CHRISTENSON	TRUSTEE	1.00	Director	$0	$0	$0
CHAD MORRIS	TRUSTEE - CHAIRMAN	1.00	Director	$0	$75,237	$203,282

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
2024	No data	No data	No data	No data
2023	$4,873,189	$7,376,639	$852,256	$-2,503,450
2022	$4,368,384	$4,275,438	$3,351,559	$92,946
2021	$3,990,650	$3,701,205	$3,256,862	$289,445
2020	$3,758,879	$3,087,218	$2,964,910	$671,661
2019	$3,856,220	$3,705,203	$2,294,049	$151,017
2018	$3,488,497	$3,301,578	$2,142,232	$186,919

MN CEMENT MASONS PLASTERERS SHOPHANDS LOCAL 633 SAV TR FD