BUILDING TRADES WELFARE FUND FOR THE OHIO VALLEY (EIN 550394421) - 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

1955

Legal Domicile

Principal Officer

MATTHEW MANSUETTO

Phone

7406951774

Tax Period

2023-12-01 to 2024-11-30

BUILDING TRADES WELFARE FUND FOR THE OHIO VALLEY, founded in 1955, is a community nonprofit that reported $6.0M in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $5.4M left a modest 9% surplus.

Mission

THE FUND PROVIDES HEALTH BENEFITS (MEDICAL AND PRESCRIPTION) TO PARTICIPANTS AND DEPENDENTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,602,628

Investment Income $326,758

Other Revenue $22,891

TOTAL REVENUE $5,952,277

Expense Breakdown

Grants Paid $0

Salaries & Benefits $91,602

Fundraising Expenses $0

Other Expenses $608,924

TOTAL EXPENSES $5,405,041

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,952,277	$5,389,948	+0.1%
Expenses	$5,405,041	$5,393,151	+0.0%
Net Income	$547,236	$-3,203	-171.9%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS WOMACK	TRUSTEE	0.50	Director	$0	$0	$0
SHAWN ZOLADZ	TRUSTEE	0.50	Director	$0	$0	$0
CHARLES GRACIK II	TRUSTEE	0.50	Director	$0	$0	$0
MATTHEW J MANSUETTO	TRUSTEE	0.50	Director	$0	$0	$0
DJ EDDY	TRUSTEE	0.50	Director	$0	$0	$0
MICHAEL J LEO	TRUSTEE	0.50	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
2024	$5,952,277	$5,405,041	$11,233,445	$547,236
2023	$5,389,948	$5,393,151	$9,358,370	$-3,203
2022	$6,019,448	$5,128,111	$8,960,398	$891,337
2021	$5,255,854	$5,235,177	$9,764,333	$20,677
2020	$5,748,243	$4,795,833	$9,368,204	$952,410
2019	$5,996,610	$5,835,026	$7,913,933	$161,584
2018	$6,225,876	$5,898,575	$7,411,301	$327,301

BUILDING TRADES WELFARE FUND FOR THE OHIO VALLEY