RETAIL WHOLESALE & DEPARTMENT STORE UNION COUNCIL OF ALABAMA RWDS (EIN 630377433) - 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

1959

Legal Domicile

Principal Officer

RANDALL L HADLEY

Phone

2053227462

Tax Period

2024-01-01 to 2024-12-31

RETAIL WHOLESALE & DEPARTMENT STORE UNION COUNCIL OF ALABAMA RWDS, founded in 1959, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2018. Revenue fell 23% from the prior year — a significant decline worth monitoring.

Mission

ADVANCEMENT AND SAFEGUARDING THE ECONOMIC AND SOCIAL WELFARE OF THE COUNCIL'S MEMBERS.

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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 $0

Program Service Revenue $3,529,867

Investment Income $432,198

Other Revenue $284,314

TOTAL REVENUE $4,246,379

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,915,559

Fundraising Expenses $0

Other Expenses $1,916,000

TOTAL EXPENSES $3,831,559

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,246,379	$4,117,152	+0.0%
Expenses	$3,831,559	$3,628,945	+0.1%
Net Income	$414,820	$488,207	-0.2%

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

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

$851,372

Total Directors

$851,372

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RANDALL L HADLEY	PRESIDENT	40.00	Officer Director	$246,653	$60,774	$307,427
ALLEN GREGORY	SEC/TREASURE	40.00	Officer Director	$172,761	$55,948	$228,709
CURTIS GRAY	VICE PRESIDE	40.00	Officer Director	$125,670	$32,773	$158,443
MARISOL URENA-GONZALES	VICE PRESIDE	40.00	Officer Director	$107,556	$49,237	$156,793
BRUCE FATHERLY	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
LATUNYA LOVE	RECORDER	2.00	Officer Director	$0	$0	$0
JOHN A WHITAKER	VICE PRESIDE	2.00	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
2024	$4,246,379	$3,831,559	$9,198,424	$414,820
2023	$4,117,152	$3,628,945	$8,640,023	$488,207
2022	$3,441,397	$3,639,445	$7,741,076	$-198,048
2021	$3,888,720	$4,100,860	$9,051,942	$-212,140
2020	$3,771,108	$3,489,024	$9,334,169	$282,084
2019	$4,196,824	$3,514,809	$8,748,712	$682,015
2018	$3,957,938	$3,943,334	$7,540,265	$14,604

RETAIL WHOLESALE & DEPARTMENT STORE UNION COUNCIL OF ALABAMA RWDS