INSULATORS LOCAL 45 HEALTH CARE LYON (EIN 522001419) - 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

1996

Legal Domicile

Principal Officer

KHRIS SHIVELY

Phone

2488139800

Tax Period

2024-08-01 to 2025-07-31

INSULATORS LOCAL 45 HEALTH CARE LYON, founded in 1996, is a community nonprofit that reported $6.1M in total revenue in fiscal year 2024. Expenses of $5.5M left a modest 10% surplus.

Mission

THE INSULATORS LOCAL 45 HEALTH CARE PLAN IS CRAFTED FOR THE PURPOSE OF PROVIDING HEALTH BENEFITS FOR TEH ELIGIBLE MEMEBRS UNDER A COLLECTIVELY BARGAINED AGREEMENT, IN COMPLIANCE WITH THE TAFT-HARTLEY ACT.

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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 $5,388,873

Investment Income $553,305

Other Revenue $123,139

TOTAL REVENUE $6,065,317

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $391,479

TOTAL EXPENSES $5,477,937

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,065,317	$5,865,518	+0.0%
Expenses	$5,477,937	$4,587,528	+0.2%
Net Income	$587,380	$1,277,990	-0.5%

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

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

$175,404

Total Directors

$331,861

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KHRIS SHIVELY	CHAIRMAN	1.00	Officer Director	$0	$72,521	$175,404
GREGORY FROST	UNION TRUSTE	1.00	Director	$0	$65,923	$153,799
RYAN WEBB	UNION TRUSTE	1.00	Director	$0	$1,315	$2,658
ROBERT BERNIUS	MANAGEMENT T	1.00	Director	$0	$0	$0
MIKE LUCZKOWSKI	MANAGEMENT T	1.00	Director	$0	$0	$0
SCOTT MEREDITH	SECRETARY	1.00	Officer 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	$6,065,317	$5,477,937	$14,780,684	$587,380
2024	$5,865,518	$4,587,528	$13,768,271	$1,277,990
2023	$5,649,958	$5,409,285	$12,095,745	$240,673
2023	$5,649,958	$5,409,285	$12,095,745	$240,673
2022	$5,612,141	$4,288,008	$11,358,648	$1,324,133
2021	$4,770,556	$4,773,810	$10,389,341	$-3,254
2020	$5,394,876	$4,312,748	$10,325,420	$1,082,128
2019	$5,158,007	$4,260,839	$9,139,046	$897,168
2018	$4,935,859	$5,270,771	$8,131,452	$-334,912

INSULATORS LOCAL 45 HEALTH CARE LYON