CARPENTERS HEALTH & WELFARE TRUST FUND OF ST LOUIS (EIN 430685432) - 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

1953

Legal Domicile

Principal Officer

STEPHEN C PINKLEY

Phone

3146444800

Tax Period

2023-05-01 to 2024-04-30

CARPENTERS HEALTH & WELFARE TRUST FUND OF ST LOUIS, founded in 1953, is a major nonprofit that reported $315.6M in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $68.6M, a strong 22% operating margin.

Mission

UNION EMPLOYEE HEALTH INSURANCE BENEFITS

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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 $303,603,934

Investment Income $10,174,953

Other Revenue $1,783,231

TOTAL REVENUE $315,562,118

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,855,357

Fundraising Expenses $0

Other Expenses $8,752,476

TOTAL EXPENSES $246,912,144

Year-over-Year Comparison

	2023	2022	Change
Revenue	$315,562,118	$277,305,906	+0.1%
Expenses	$246,912,144	$251,540,684	0.0%
Net Income	$68,649,974	$25,765,222	+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

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRAIG MCPARTLIN	TRUSTEE	1.00	Director	$0	$0	$0
KEVIN DEPTULA	TRUSTEE	1.00	Director	$0	$0	$0
GERHARD GLASSL	TRUSTEE	1.00	Director	$0	$0	$0
BRIAN MURPHY	TRUSTEE	1.00	Director	$0	$0	$0
JIM SAUER	TRUSTEE	1.00	Director	$0	$0	$0
TIM SCHOOLFIELD	EXITING TRUSTEE	1.00	Director	$0	$0	$0
RICK KAYSER	TRUSTEE	1.00	Director	$0	$0	$0
SCOTT PLOCHER	TRUSTEE	1.00	Director	$0	$0	$0
GARY PERINAR	TRUSTEE	1.00	Director	$0	$0	$0
STEPHEN PINKLEY	TRUSTEE	1.00	Director	$0	$0	$0
ROCKY KLOTH	TRUSTEE	1.00	Director	$0	$0	$0
DAN BARGER	TRUSTEE	1.00	Director	$0	$0	$0
KEVIN HAYNES	TRUSTEE	1.00	Director	$0	$0	$0
MIKE GAVOLI	TRUSTEE	1.00	Director	$0	$0	$0
MARK DALTON	TRUSTEE	1.00	Director	$0	$0	$0
RODNEY POLITTE	TRUSTEE	1.00	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	No data	No data	No data	No data
2024	$315,562,118	$246,912,144	$262,994,648	$68,649,974
2023	$277,305,906	$251,540,684	$198,583,248	$25,765,222
2022	$240,301,966	$273,663,696	$168,277,664	$-33,361,730
2021	$237,330,209	$248,123,601	$237,261,191	$-10,793,392
2020	$224,483,491	$248,042,552	$235,643,383	$-23,559,061
2019	$216,144,972	$222,929,510	$277,329,237	$-6,784,538

CARPENTERS HEALTH & WELFARE TRUST FUND OF ST LOUIS