CWA LOCAL 1075 BENEFIT FUND (EIN 464024442) - 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

2013

Legal Domicile

Phone

7322916014

Tax Period

2024-10-01 to 2025-09-30

CWA LOCAL 1075 BENEFIT FUND, founded in 2013, is a small nonprofit in the Mutual Benefit sector that reported $362K in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year. Expenses of $425K exceeded revenue, resulting in a 18% operating deficit.

Mission

PROVIDE DENTAL AND VISION HEALTH 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $338,943

Investment Income $22,663

Other Revenue $0

TOTAL REVENUE $361,606

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $425,497

TOTAL EXPENSES $425,497

Year-over-Year Comparison

	2024	2023	Change
Revenue	$361,606	$410,461	-0.1%
Expenses	$425,497	$429,307	0.0%
Net Income	$-63,891	$-18,846	+2.4%

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

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
THOMAS FAGAN	TRUSTEE	10.00	Director	$0	$0	$0
DYLAN WILKINSON	TRUSTEE	2.00	Director	$0	$0	$0
KLEM FRANK	TRUSTEE	2.00	Director	$0	$0	$0
KEVIN TAURO	ADMINISTRATOR	10.00	Key Emp	$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	$361,606	$425,497	$515,125	$-63,891
2024	$410,461	$429,307	No data	$-18,846
2023	$337,590	$428,413	No data	$-90,823
2022	$371,649	$427,824	No data	$-56,175
2021	$375,234	$438,203	No data	$-62,969
2020	$403,678	$422,852	$810,054	$-19,174
2019	$415,709	$428,629	$829,228	$-12,920

CWA LOCAL 1075 BENEFIT FUND