TWU RESERVE FUND (EIN 823936748) - 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

2014

Legal Domicile

Principal Officer

JEROME LAFRAGOLA

Phone

2027193900

Tax Period

2018-09-01 to 2019-08-31

TWU RESERVE FUND, founded in 2014, is a small nonprofit in the Employment sector that reported $148K in total revenue in fiscal year 2018. Revenue fell 99% from the prior year — a significant decline worth monitoring. Expenses of $514K exceeded revenue, resulting in a 247% operating deficit.

Mission

ADMINISTER ASSETS FOR CERTAIN MEMBERS OF THE TRANSPORT WORKERS UNION OF AMERICA ("TWU")

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $148,398

Other Revenue $0

TOTAL REVENUE $148,398

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $514,232

TOTAL EXPENSES $514,232

Year-over-Year Comparison

	2018	2017	Change
Revenue	$148,398	$11,388,438	-1.0%
Expenses	$514,232	$1,379,788	-0.6%
Net Income	$-365,834	$10,008,650	-1.0%

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

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

$1,293,794

Total Directors

$1,293,794

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN SAMUELSEN	PRESIDENT	10.00	Officer Director	$0	$0	$290,642
ALEX GARCIA	EXEC VP	10.00	Officer Director	$0	$0	$291,186
JEROME LAFRAGOLA	SECY/TREAS	10.00	Officer Director	$0	$0	$278,545
CURTIS TATE	ADMIN VP	10.00	Officer Director	$0	$0	$218,042
MIKE MAYES	ADMIN VP	10.00	Officer Director	$0	$0	$215,379

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
2019	$148,398	$514,232	No data	$-365,834
2018	$11,388,438	$1,379,788	$36,867,200	$10,008,650

TWU RESERVE FUND