NATIONAL ASSOCIATION OF LETTER CARRIERS 3520 (EIN 546073348) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1950

Legal Domicile

Principal Officer

MIKE ELLIS

Phone

7037503520

Tax Period

2025-01-01 to 2025-12-31

NATIONAL ASSOCIATION OF LETTER CARRIERS 3520, founded in 1950, is a small nonprofit that reported $441K in total revenue in fiscal year 2018. Expenses of $406K left a modest 8% surplus.

Mission

EDUCATION OF OFFICERS AND STEWARDS REGARDING THEIR RESPONSIBILITIES AND RIGHTS UNDER VARIOUS LAWS, CONTRACTS AND REGULATIONS

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $458,035

Program Service Revenue $0

Investment Income $5,481

Other Revenue $0

TOTAL REVENUE $463,516

Expense Breakdown

Grants Paid $0

Salaries & Benefits $325,787

Fundraising Expenses $0

Program Expenses $379,434

Other Expenses $147,303

TOTAL EXPENSES $473,090

Year-over-Year Comparison

	2025	2024	Change
Revenue	$463,516	$483,377	0.0%
Expenses	$473,090	$461,986	+0.0%
Net Income	$-9,574	$21,391	-1.4%

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

N/A

Independent Members

N/A

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

$257,627

Total Directors

$17,143

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE ELLIS	PRESIDENT	40.00	Officer	$137,442	$0	$137,442
BRIAN CONGLETON	VICE PRESIDENT	26.00	Officer	$75,816	$0	$75,816
EVANGELINA CAMACHO	SECRETARY TRASURER	30.00	Officer	$44,369	$0	$44,369
RICHARD LOUIE	SERGEANT AT ARMS	2.00	Director	$4,342	$0	$4,342
LUKE BERISH	TRUSTEE	2.00	Director	$3,301	$0	$3,301
JON WILLIAMS	TRUSTEE	2.00	Director	$2,830	$0	$2,830
JOHN SMITH	CHIEF TRUSTEE	30.00	Director	$2,002	$0	$2,002
MICHAEL FAJNA	TRUSTEE	3.00	Director	$1,783	$0	$1,783
JOHN CORMANY	INSURANCE REP	2.00	Director	$1,294	$0	$1,294
STANLEY JACKSON	TRUSTEE	1.00	Director	$880	$0	$880
MICHAEL KING	TRUSTEE	1.00	Director	$550	$0	$550
DANIEL LAVERY	INSURANCE REPRESENTATIVE	2.00	Director	$161	$0	$161

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	$463,516	$473,090	$666,428	$-9,574
2024	$483,377	$461,986	$676,572	$21,391
2023	$461,362	$422,875	$657,840	$38,487
2022	$426,664	$470,991	$618,984	$-44,327
2021	$416,788	$392,056	$663,397	$24,732
2020	$425,803	$370,341	$638,672	$55,462
2019	$444,564	$407,596	$583,242	$36,968
2018	$441,378	$406,314	$546,303	$35,064

NATIONAL ASSOCIATION OF LETTER CARRIERS 3520