BAKERY CONFECTIONERY TOBACCO WORK & GRAIN MILLERS UNION LOCAL NO 433 (EIN 420627818) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1932

Legal Domicile

Principal Officer

PAULA STEIG

Phone

6052422821

Tax Period

2018-01-01 to 2018-12-31

BAKERY CONFECTIONERY TOBACCO WORK & GRAIN MILLERS UNION LOCAL NO 433, founded in 1932, is a small nonprofit that reported $202K in total revenue in fiscal year 2018.

Mission

TO ACT AS BARGAINING AGENT FOR APPROXIMATELY 500 MEMBERS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $193,852

Investment Income $413

Other Revenue $7,391

TOTAL REVENUE $201,656

Expense Breakdown

Grants Paid $0

Salaries & Benefits $106,120

Fundraising Expenses $0

Program Expenses $208,540

Other Expenses $114,074

TOTAL EXPENSES $220,194

Year-over-Year Comparison

	2018	2017	Change
Revenue	$201,656	$209,842	0.0%
Expenses	$220,194	$216,592	+0.0%
Net Income	$-18,538	$-6,750	+1.7%

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

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

$185,557

Total Directors

$6,098

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN BATES	EXECUTIVE BO	1.00	Director	$2,026	$0	$2,026
FABIOLA MARTINEZ	EXECUTIVE BO	1.00	Director	$1,642	$0	$1,642
STEPHEN HOWARD	EXECUTIVE BO	1.00	Director	$1,517	$0	$1,517
JACKIE CLAASSEN	EXECUTIVE BO	1.00	Director	$763	$0	$763
DAVE LENZ	EXECUTIVE BO	1.00	Director	$150	$0	$150
PATRICIA FERGEN	TRUSTEE	1.00		$693	$0	$693
JANET ROHRBAAUGH	TRUSTEE	1.00		$643	$0	$643
TERRY TIFFEY	TRUSTEE	1.00		$313	$0	$313
GREG BARNES	SECRETARY/TR	9.25	Officer	$14,261	$27,713	$110,851
PAULA STEIG	PRESIDENT	40.00	Officer	$58,334	$16,372	$74,706

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
2018	$201,656	$220,194	$71,500	$-18,538

BAKERY CONFECTIONERY TOBACCO WORK & GRAIN MILLERS UNION LOCAL NO 433