UBC & JA LOCAL 326

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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

2017

Legal Domicile

Principal Officer

ERNEST PAGAN

Phone

8603521130

Tax Period

2022-07-01 to 2023-06-30

UBC & JA LOCAL 326, founded in 2017, is a small nonprofit in the Employment sector that reported $803K in total revenue in fiscal year 2022. Revenue decreased 13% compared to the prior year.

Mission

A MEMBER-LED LABOR ORGANIZATION UNITED BY THE DEDICATION TO IMPROVE THE LIVES OF WORKERS BY TAKING ACTION AND PROVIDING SERVICES THAT PROMOTE FAIRNESS AND EQUALITY.

Program Service Accomplishments

Program 1

TO RAISE THE STANDARDS FOR WAGES, BENEFITS AND WORKING CONDITIONS FOR ALL CARPENTERS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $170,130

Program Service Revenue $574,986

Investment Income $14,403

Other Revenue $43,046

TOTAL REVENUE $802,565

Expense Breakdown

Grants Paid $26,298

Salaries & Benefits $208,514

Fundraising Expenses $0

Other Expenses $531,237

TOTAL EXPENSES $814,242

Year-over-Year Comparison

	2022	2021	Change
Revenue	$802,565	$919,710	-0.1%
Expenses	$814,242	$868,160	-0.1%
Net Income	$-11,677	$51,550	-1.2%

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

$30,305

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARMEN DURSO	WARDEN	2.00	Officer	$1,725	$0	$1,725
CHRIS BACHANT	CONDUCTOR/PRESIDENT (P)	2.00	Officer	$2,040	$0	$2,040
ERNEST PAGAN	PRESIDENT	2.00	Officer	$3,208	$0	$3,208
JEFF WOLCHESKI	TREASURER	2.00	Officer	$3,638	$0	$3,638
JUAN RIVERA	TREASURER (P)	2.00	Officer	$1,290	$0	$1,290
MICHAEL OLIVER	FINANCIAL SECRETARY	2.00	Officer	$3,638	$0	$3,638
EDWIN CRESPO	VP	2.00	Officer	$2,625	$0	$2,625
YOSHIKA T CREWS	CONDUCTOR	2.00	Officer	$2,775	$0	$2,775
DAVID S JARVIS	TRUSTEE (P)	2.00	Officer	$1,310	$0	$1,310
DAVID S SILVAY	RECORDING SECRETARY	2.00	Officer	$2,758	$0	$2,758
LARRY COTTEN	TRUSTEE	2.00	Officer	$1,466	$0	$1,466
ERICA WEBORG	TRUSTEE	2.00	Officer	$1,916	$0	$1,916
MIKE IAVOVIELLO	TRUSTEE	2.00	Officer	$1,916	$0	$1,916

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$802,565	$814,242	$665,464	$-11,677
2022	$919,710	$868,160	$604,109	$51,550
2021	$945,438	$932,974	$647,838	$12,464
2020	$1,109,224	$928,419	$562,921	$180,805
2019	$948,694	$854,535	$429,799	$94,159