CONSTRUCTION WORKERS OF LAKE COUNTY - HRA TRUST FUND (EIN 474459297) - 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

DAVID DEPRIZIO

Phone

2197696944

Tax Period

2024-06-01 to 2025-05-31

CONSTRUCTION WORKERS OF LAKE COUNTY - HRA TRUST FUND, founded in 2015, is a community nonprofit in the Mutual Benefit sector that reported $2.2M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.9M, a strong 86% operating margin.

Mission

HEALTH REIMBURSEMENT ACCOUNT PLAN

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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 $1,901,558

Investment Income $284,838

Other Revenue $0

TOTAL REVENUE $2,186,396

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $133,643

TOTAL EXPENSES $302,143

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,186,396	$1,975,444	+0.1%
Expenses	$302,143	$268,916	+0.1%
Net Income	$1,884,253	$1,706,528	+0.1%

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

$1,331,927

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID DEPRIZIO	MANAGEMENT TRUSTEE (CHAIRMAN)	1.00	Director	$0	$0	$0
ALEX GARIUP	MANAGEMENT TRUSTEE	1.00	Director	$0	$0	$0
WILLIAM K ROACH	UNION TRUSTEE	1.00	Director	$0	$117,817	$330,635
RONALD DILLINGHAM	UNION TRUSTEE	1.00	Director	$0	$121,595	$322,939
MARK GRIMMER	MANAGEMENT TRUSTEE	1.00	Director	$0	$0	$0
COREY CAMPBELL	UNION TRUSEE (SECRETARY)	1.00	Director	$0	$133,671	$360,770
SCOTT SPARKS	UNION TRUSTEE	1.00	Director	$0	$117,747	$317,583

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	$2,186,396	$302,143	$9,969,320	$1,884,253
2024	$1,975,444	$268,916	$7,768,532	$1,706,528
2023	$1,467,269	$224,251	$5,836,160	$1,243,018
2022	$1,248,117	$209,224	$4,636,572	$1,038,893
2021	$806,415	$308,215	$4,026,849	$498,200
2020	$777,422	$47,030	$3,261,502	$730,392
2019	$801,699	$53,614	$2,376,778	$748,085
2018	$663,068	$50,224	$1,602,205	$612,844

CONSTRUCTION WORKERS OF LAKE COUNTY - HRA TRUST FUND