STONE AND MARBLE MASONS OF METRO WASHINGTON DC HEALTH & WELFARE FD (EIN 526038514) - 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

1965

Legal Domicile

Principal Officer

SCOTT GARVIN

Phone

4108729500

Tax Period

2024-02-01 to 2025-01-31

STONE AND MARBLE MASONS OF METRO WASHINGTON DC HEALTH & WELFARE FD, founded in 1965, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2024. Expenses of $2.8M left a modest 12% surplus.

Mission

PROVIDING HEALTH BENEFITS TO MEMBERS

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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 $2,778,263

Investment Income $399,056

Other Revenue $24,781

TOTAL REVENUE $3,202,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,606

Fundraising Expenses $0

Other Expenses $376,451

TOTAL EXPENSES $2,814,875

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,202,100	$3,334,960	0.0%
Expenses	$2,814,875	$3,546,279	-0.2%
Net Income	$387,225	$-211,319	-2.8%

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

$2,606

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT GARVIN	UNION TRUSTEE	4.00	Director	$0	$0	$0
MICHAEL R BRATTI	EMPLOYER TRUSTEE	4.00	Director	$0	$0	$0
VITAL CARDOSO	UNION TRUSTEE	4.00	Director	$1,605	$0	$1,605
MICHAEL PATTERSON	UNION TRUSTEE	4.00	Director	$1,001	$0	$1,001
BRETT S RUGO	EMPLOYER TRUSTEE	4.00	Director	$0	$0	$0
MANUEL SEARA	EMPLOYER TRUSTEE	4.00	Director	$0	$0	$0
CESAR RODRIQUEZ	ALT. UNION TRUSTEE	4.00	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	$3,202,100	$2,814,875	$10,996,864	$387,225
2024	$3,334,960	$3,546,279	$10,792,894	$-211,319
2023	$3,110,805	$2,486,307	$10,579,939	$624,498
2022	$3,936,617	$2,437,670	$10,121,037	$1,498,947
2021	$3,754,750	$2,771,578	$9,073,872	$983,172
2020	$3,905,407	$3,032,140	$7,717,942	$873,267
2019	$3,527,438	$3,418,513	$6,479,445	$108,925

STONE AND MARBLE MASONS OF METRO WASHINGTON DC HEALTH & WELFARE FD