HEAT AND FROST INSULATORS ST LOUIS WELFARE FUND TRUSTEES (EIN 436158894) - 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

ROBERT ACKMAN

Phone

3143448899

Tax Period

2024-01-01 to 2024-12-31

HEAT AND FROST INSULATORS ST LOUIS WELFARE FUND TRUSTEES, founded in 1953, is a mid-sized nonprofit that reported $14.2M in total revenue in fiscal year 2024. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $4.4M, a strong 31% operating margin.

Mission

THE HEAT AND FROST INSULATORS ST. LOUIS WELFARE FUND IS A TAFT-HARTLEY TRUST ESTABLISHED TO PROVIDE HOSPITAL, MEDICAL, DENTAL, DISABILITY, AND LIFE INSURANCE BENEFITS TO ELIGIBLE MEMBERS OF THE INTERNATIONAL ASSOCIATION OF HEAT AND FROST INSULATORS AND ALLIED WORKERS LOCAL NO 1.

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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 $9,818,436

Investment Income $527,110

Other Revenue $3,900,166

TOTAL REVENUE $14,245,712

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $9,857,136

Other Expenses $715,636

TOTAL EXPENSES $9,857,136

Year-over-Year Comparison

	2024	2023	Change
Revenue	$14,245,712	$10,157,910	+0.4%
Expenses	$9,857,136	$9,787,896	+0.0%
Net Income	$4,388,576	$370,014	+10.9%

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
ROBERT ACKMAN	CHAIRMAN/UNION TRUSTEE	1.00	Director	$0	$0	$0
JAMES CALLAHAN JR	UNION TRUSTEE	1.00	Director	$0	$0	$0
DAN HENNESSEY	UNION TRUSTEE	1.00	Director	$0	$0	$0
DAN ESKER	MANAGEMENT TRUSTEE	1.00	Director	$0	$0	$0
JOHNNY THORNBURGH	MANAGEMENT TRUSTEE	1.00	Director	$0	$0	$0
CHRISTOPHER LYLES	MANAGEMENT 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
2024	$14,245,712	$9,857,136	$44,979,403	$4,388,576
2023	$10,157,910	$9,787,896	$39,456,863	$370,014
2022	$9,623,947	$8,425,891	$34,390,651	$1,198,056
2021	$8,894,730	$10,313,315	$36,472,327	$-1,418,585
2020	$7,525,162	$7,419,813	$33,615,064	$105,349
2020	$7,525,162	$7,419,813	$33,615,064	$105,349
2019	$8,819,515	$7,817,017	$30,409,965	$1,002,498
2018	$9,096,879	$8,209,257	$25,166,422	$887,622

HEAT AND FROST INSULATORS ST LOUIS WELFARE FUND TRUSTEES