PLUMBERS & STEAMFITTERS LOCAL 760 HEALTH & WELFARE TRUST FUND (EIN 636065827) - 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

1965

Legal Domicile

Principal Officer

GREG EZELL

Phone

2533837900

Tax Period

2024-01-01 to 2024-12-31

PLUMBERS & STEAMFITTERS LOCAL 760 HEALTH & WELFARE TRUST FUND, founded in 1965, is a mid-sized nonprofit that reported $11.1M in total revenue in fiscal year 2018. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $9.8M left a modest 12% surplus.

Mission

TO PROVIDE HEALTH AND LIFE INSURANCE BENEFITS TO MEMBERS OF THE LOCAL UNION.

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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 $14,495,061

Investment Income $938,370

Other Revenue $0

TOTAL REVENUE $15,433,431

Expense Breakdown

Grants Paid $0

Salaries & Benefits $99,741

Fundraising Expenses $0

Other Expenses $363,870

TOTAL EXPENSES $12,012,508

Year-over-Year Comparison

	2024	2023	Change
Revenue	$15,433,431	$12,727,470	+0.2%
Expenses	$12,012,508	$10,204,219	+0.2%
Net Income	$3,420,923	$2,523,251	+0.4%

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

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
JOE CHITTAM	TRUSTEE	1.00	Director	$0	$0	$0
JOHN EMBRY	TRUSTEE	0.10	Director	$0	$0	$0
GREG EZELL	TRUSTEE	1.00	Officer Director	$0	$0	$0
GROVER JOHNSON	TRUSTEE	0.10	Director	$0	$0	$0
TIM MARDIS	TRUSTEE	1.00	Director	$0	$0	$0
BILL STRICKLAND	TRUSTEE	0.10	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	$15,433,431	$12,012,508	$32,925,513	$3,420,923
2023	$12,727,470	$10,204,219	$28,101,875	$2,523,251
2022	$13,760,667	$10,594,706	$24,018,025	$3,165,961
2021	$13,600,813	$11,767,665	$23,698,827	$1,833,148
2020	$13,364,544	$11,024,982	$21,136,984	$2,339,562
2019	$11,738,531	$9,530,412	$17,515,513	$2,208,119
2018	$11,101,622	$9,781,274	$14,228,838	$1,320,348

PLUMBERS & STEAMFITTERS LOCAL 760 HEALTH & WELFARE TRUST FUND