Retail Contractors Association (EIN 570919019) - 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

1990

Legal Domicile

Principal Officer

Justin Elder

Phone

7036831666

Tax Period

2024-05-01 to 2025-04-30

Retail Contractors Association, founded in 1990, is a small nonprofit that reported $602K in total revenue in fiscal year 2018. Revenue surged 76% from the prior year, signaling strong growth momentum. The organization ran a surplus of $146K, a strong 24% operating margin.

Mission

To promote professionalism and integrity in retail construction through industry leadership in education, information exchange and jobsite safety.

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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 (2024)

Revenue Breakdown

Contributions & Grants $417,063

Program Service Revenue $305,680

Investment Income $46,677

Other Revenue $0

TOTAL REVENUE $769,420

Expense Breakdown

Grants Paid $14,168

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $432,618

Other Expenses $612,675

TOTAL EXPENSES $626,843

Year-over-Year Comparison

	2024	2023	Change
Revenue	$769,420	$606,404	+0.3%
Expenses	$626,843	$476,495	+0.3%
Net Income	$142,577	$129,909	+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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Eric Handley	Immediate Past President	2.00	Officer Director	$0	$0	$0
Justin Elder	President	2.00	Officer Director	$0	$0	$0
Timothy Aubel	Vice President	2.00	Officer Director	$0	$0	$0
Denise Doczy-Delong	Secretary/Treasurer	2.00	Officer Director	$0	$0	$0
Stephen Bachman	Board Member	1.00	Director	$0	$0	$0
Matt Brecker	Board Member	1.00	Director	$0	$0	$0
Jay Dorsey	Board Member	1.00	Director	$0	$0	$0
Bard Fulton	Board Member	1.00	Director	$0	$0	$0
Anthony Graves	Board Member	1.00	Director	$0	$0	$0
David Martin	Board Member	1.00	Director	$0	$0	$0
Hector Ray	Board Member	1.00	Director	$0	$0	$0
Richard Winkel	Board Member	1.00	Director	$0	$0	$0
David Brown	Board Member	1.00	Director	$0	$0	$0
Cheryl Montour	Board Member	1.00	Director	$0	$0	$0
Kenneth Sharkey	Board Member	1.00	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	$769,420	$626,843	$1,407,181	$142,577
2024	$606,404	$476,495	$1,296,262	$129,909
2023	$490,974	$385,863	$1,104,948	$105,111
2022	$473,094	$505,551	$955,353	$-32,457
2021	$173,188	$154,981	$1,014,031	$18,207
2020	$451,329	$304,387	$937,504	$146,942
2019	$602,019	$456,326	$841,663	$145,693

Retail Contractors Association