CONSTRUCTION LABOR BENEFIT TRUST FUND (EIN 473467771) - 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

2015

Legal Domicile

Principal Officer

KEN KREISCHER

Phone

7075409640

Tax Period

2025-01-01 to 2025-12-31

CONSTRUCTION LABOR BENEFIT TRUST FUND, founded in 2015, is a small nonprofit in the Mutual Benefit sector that reported $263K in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $66K, a strong 25% operating margin.

Mission

TO PROVIDE HEALTH DENTAL AND LIFE INSURANCE BENEFITS TO EMPLOYEES SPOUSES AND DEPENDENTS AS APPLICABLE FOR THE EMPLOYEES OF WESTERN WATER CONSTRUCTORS INC. EMPLOYER SPONSOR

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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 $263,136

Investment Income $0

Other Revenue $0

TOTAL REVENUE $263,136

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $197,298

Other Expenses $0

TOTAL EXPENSES $197,298

Year-over-Year Comparison

	2025	2024	Change
Revenue	$263,136	$293,132	-0.1%
Expenses	$197,298	$317,360	-0.4%
Net Income	$65,838	$-24,228	-3.7%

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

Employees

N/A

Volunteers

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
KEN KREISCHER	TRUSTEE	1.00	Director	$0	$0	$0
JOSH MCGARVA	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	$263,136	$197,298	$80,492	$65,838
2024	$293,132	$317,360	$14,654	$-24,228
2023	$374,375	$404,521	$38,882	$-30,146
2022	$418,907	$396,249	$69,028	$22,658
2021	$453,989	$470,666	$46,370	$-16,677
2020	$432,078	$451,650	$63,047	$-19,572

CONSTRUCTION LABOR BENEFIT TRUST FUND