Twin Cities Bakery Drivers H & W Fund (EIN 416027254) - 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

1955

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Twin Cities Bakery Drivers H & W Fund, founded in 1955, is a mid-sized nonprofit that reported $22.9M in total revenue in fiscal year 2023. The organization ran a surplus of $4.8M, a strong 21% operating margin.

Mission

Provide hospital, medical, disability, dental, death and pharmaceutical benefits to 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $22,096,859

Investment Income $832,524

Other Revenue $0

TOTAL REVENUE $22,929,383

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,171

Fundraising Expenses $0

Program Expenses $18,134,537

Other Expenses $1,215,551

TOTAL EXPENSES $18,134,537

Year-over-Year Comparison

	2023	2022	Change
Revenue	$22,929,383	$21,811,424	+0.1%
Expenses	$18,134,537	$19,401,733	-0.1%
Net Income	$4,794,846	$2,409,691	+1.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lyndon Johnson	Trustee	1.00	Director	$0	$0	$1
Paul Masica	Trustee	1.00	Director	$0	$0	$1
Mike DeBuck	Chair	1.00	Officer Director	$0	$0	$1
Tom Marrier	Alternate Trustee	1.00	Director	$0	$0	$0
Mindy Moeller	Trustee	1.00	Director	$0	$0	$0
Nathanial Cochrane	Trustee	1.00	Director	$0	$0	$0
Ewa Kaszuba	Trustee	1.00	Director	$0	$0	$0
Trace Benson	Secretary	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
2024	No data	No data	No data	No data
2023	$22,929,383	$18,134,537	$35,753,431	$4,794,846
2022	$21,811,424	$19,401,733	$30,467,673	$2,409,691
2021	$21,638,352	$20,310,757	$29,047,723	$1,327,595
2020	$23,991,631	$19,276,524	$27,338,001	$4,715,107
2019	$24,372,496	$21,776,263	$22,501,291	$2,596,233
2018	$21,294,904	$25,293,806	$20,418,271	$-3,998,902

Twin Cities Bakery Drivers H & W Fund