UNITED FOOD AND COMMERCIAL WORKERS 655 LOCAL (EIN 430477135) - 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

1935

Legal Domicile

Principal Officer

DAVID COOK

Tax Period

2023-01-01 to 2023-12-31

UNITED FOOD AND COMMERCIAL WORKERS 655 LOCAL, founded in 1935, is a community nonprofit that reported $5.0M in total revenue in fiscal year 2023. Revenue decreased 11% compared to the prior year.

Mission

TO PROVIDE SERVICES TO UNION 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 $4,919,685

Program Service Revenue $0

Investment Income $23,866

Other Revenue $31,511

TOTAL REVENUE $4,975,062

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,960,462

Fundraising Expenses $0

Other Expenses $3,073,139

TOTAL EXPENSES $5,033,601

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,975,062	$5,593,810	-0.1%
Expenses	$5,033,601	$5,148,700	0.0%
Net Income	$-58,539	$445,110	-1.1%

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

N/A

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

$1,010,964

Total Directors

$1,083,628

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID COOK	PRESIDENT	40.00	Officer Director Highest	$199,019	$9,024	$208,043
LAURA KELLEY	VICE PRESIDENT	40.00	Officer Director	$114,518	$9,024	$123,542
ROBERT SPENCE	SECRETARY TREASURER	40.00	Officer Director	$112,712	$9,024	$121,736
LEVI EDDINS	VICE PRESIDENT	40.00	Officer Director	$101,557	$9,024	$110,581
NICHOLE RICH	VICE PRESIDENT	40.00	Officer Director	$98,804	$8,816	$107,620
MICHAEL FRAME	VICE PRESIDENT	40.00	Officer Director	$88,038	$9,024	$97,062
DAVID WILLIAMS	VICE PRESIDENT	40.00	Officer Director	$78,966	$9,336	$88,302
COLLIN REISCHMAN	VICE PRESIDENT	40.00	Officer Director	$62,279	$9,128	$71,407
NANCY PARKER	SECRETARY TREASURER	20.00	Director	$62,198	$4,546	$66,744
THERESA HESTER	VICE PRESIDENT	20.00	Officer Director	$53,077	$4,529	$57,606
KAREN SETTLEMOIR-BERG	VICE PRESIDENT	13.00	Officer Director	$21,931	$3,134	$25,065
DAVID AULT	VICE PRESIDENT	1.00	Director	$670	$0	$670
EARL WILLIAMS	VICE PRESIDENT	1.00	Director	$670	$0	$670
CINDY GAMEWELL	VICE PRESIDENT	1.00	Director	$670	$0	$670
KEHAULANI DEMIROVIC	VICE PRESIDENT	1.00	Director	$670	$0	$670
DAVIE HENDERSON	VICE PRESIDENT	1.00	Director	$670	$0	$670
TIA BISHOP	VICE PRESIDENT	1.00	Director	$560	$0	$560
INEZ BROOM	VICE PRESIDENT	1.00	Director	$536	$0	$536
AMY JENNEWEIN	VICE PRESIDENT	1.00	Director	$536	$0	$536
CHRISTINA VALLEROY	VICE PRESIDENT	1.00	Director	$402	$0	$402
WILLIAM THOMAS	VICE PRESIDENT	1.00	Director	$402	$0	$402
JANICE WETHERELL	VICE PRESIDENT	1.00	Director	$134	$0	$134

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	$4,975,062	$5,033,601	$2,380,660	$-58,539
2022	$5,593,810	$5,148,700	$1,737,062	$445,110
2021	$5,095,099	$5,052,057	$1,843,449	$43,042
2020	$4,889,299	$5,245,272	$1,445,820	$-355,973
2019	$5,300,453	$5,842,943	$1,826,579	$-542,490
2018	$5,763,001	$6,403,135	$2,304,170	$-640,134

UNITED FOOD AND COMMERCIAL WORKERS 655 LOCAL