ST PAUL AUTO DEALERS AND DISTRICT … - Form 990 Financial Data

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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

1955

Legal Domicile

Principal Officer

ANDREW PELTIER

Phone

9528540795

Tax Period

2024-08-01 to 2025-07-31

ST PAUL AUTO DEALERS AND DISTRICT 77 LODGE IAMAW JOINT FUND, founded in 1955, is a mid-sized nonprofit that reported $11.0M in total revenue in fiscal year 2024. The organization ran a surplus of $2.6M, a strong 24% operating margin.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS.

Program Service Accomplishments

Program 1

THE PLAN PROVIDES MEDICAL, PRESCRIPTION DRUG, DENTAL, VISION, LIFE INSURANCE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS FOR ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS AND BENEFICIARIES IN...

THE PLAN PROVIDES MEDICAL, PRESCRIPTION DRUG, DENTAL, VISION, LIFE INSURANCE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS FOR ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS AND BENEFICIARIES IN ACCORDANCE WITH PLAN DOCUMENTS. IN ADDITION, THE PLAN PROVIDES CERTAIN HEALTHCARE BENEFITS FOR ELIGIBLE RETIRED PARTICIPANTS WHO MAKE CONTRIBUTIONS TO THE 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $10,378,680

Investment Income $581,777

Other Revenue $0

TOTAL REVENUE $10,960,457

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $942,444

TOTAL EXPENSES $8,322,828

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,960,457	$10,713,901	+0.0%
Expenses	$8,322,828	$8,790,083	-0.1%
Net Income	$2,637,629	$1,923,818	+0.4%

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

$384,616

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW PELTIER	TRUSTEE	0.50	Director	$0	$18,367	$146,384
GRANT WHALEN	TRUSTEE / ALT TRUSTEE-PAST	0.50	Director	$0	$28,449	$133,623
INGRID VENDELA	TRUSTEE / ALT TRUSTEE-PAST	0.50	Director	$0	$13,335	$83,678
JULIE HEITALA	TRUSTEE - ALTERNATE	0.50	Director	$0	$0	$0
MEREDITH DIETTE	TRUSTEE	0.50	Director	$0	$0	$0
MIKE SAXON	TRUSTEE	0.50	Director	$0	$0	$0
NICHOLAS BERNARDY	TRUSTEE - ALTERNATE	0.50	Director	$0	$3,648	$20,931
RICK KLINE	TRUSTEE	0.50	Director	$0	$0	$0
SCOTT LAMBERT	TRUSTEE - ALTERNATE - PAST	0.50	Director	$0	$0	$0
SHERMAN PHILLIPS	TRUSTEE-PAST	0.50	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	$10,960,457	$8,322,828	$22,184,314	$2,637,629
2024	$10,713,901	$8,790,083	$18,611,364	$1,923,818
2023	$10,355,381	$10,559,958	$15,826,469	$-204,577
2022	$8,988,928	$8,664,308	$15,830,103	$324,620
2021	$6,840,517	$7,553,201	$6,441,158	$-712,684
2020	$6,876,341	$6,389,576	$7,216,433	$486,765
2019	$7,690,802	$6,785,951	$6,562,884	$904,851
2018	$7,013,431	$6,214,442	$5,588,011	$798,989

ST PAUL AUTO DEALERS AND DISTRICT 77 LODGE IAMAW JOINT FUND