INTL ASSN OF HEAT FROST INSULATORS LOCAL UNION 39 (EIN 470438021) - 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

1950

Legal Domicile

Principal Officer

JOHN HANSON

Phone

4023336960

Tax Period

2025-01-01 to 2025-12-31

INTL ASSN OF HEAT FROST INSULATORS LOCAL UNION 39, founded in 1950, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2025. Revenue surged 82% from the prior year, signaling strong growth momentum. The organization ran a surplus of $638K, a strong 37% operating margin.

Mission

REPRESENTATION OF WORKERS

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $968,311

Investment Income $739,285

Other Revenue $24,885

TOTAL REVENUE $1,732,481

Expense Breakdown

Grants Paid $0

Salaries & Benefits $233,195

Fundraising Expenses $0

Program Expenses $1,094,359

Other Expenses $708,806

TOTAL EXPENSES $1,094,359

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,732,481	$950,976	+0.8%
Expenses	$1,094,359	$949,015	+0.2%
Net Income	$638,122	$1,961	+324.4%

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

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

$212,128

Total Directors

$514

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN HANSON	BUSINESS MANAGER	40.00	Officer	$122,970	$0	$122,970
JOSEPH NUSSRALLAH	PRESIDENTORGANIZER	40.00	Officer	$88,541	$0	$88,541
TED JENSEN JR	VICE PRESIDENT	1.00	Officer	$617	$0	$617
BRIAN YAGER	EXECUTIVE BOARDTRUSTEE	1.00	Director	$514	$0	$514
RICARDO ORTEGA	EXECUTIVE BOARD	1.00	Director	$0	$0	$0
KEVIN YAGER	RECORDING SECRETARYEXECUTIVE BOARD	1.00	Officer Director	$0	$0	$0
JASON HOSPODKA	EXECUTIVE BOARD	1.00	Director	$0	$0	$0
JASON CARLIN	EXECUTIVE BOARD	1.00	Director	$0	$0	$0
NICK KURCZ	FINANCIAL SECRETARY	5.00	Officer	$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	$1,732,481	$1,094,359	$2,887,406	$638,122
2024	$950,976	$949,015	$3,087,260	$1,961
2023	$951,043	$862,271	$1,730,902	$88,772
2022	$798,347	$714,674	$1,641,611	$83,673
2021	$856,599	$727,076	$1,558,352	$129,523
2020	$1,021,436	$743,744	$1,429,191	$277,692

INTL ASSN OF HEAT FROST INSULATORS LOCAL UNION 39