Heat and Frost Insulators H&W LU 87

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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

2018

Legal Domicile

Principal Officer

Winston Miles

Phone

7136439300

Tax Period

2021-01-01 to 2021-12-31

Heat and Frost Insulators H&W LU 87, founded in 2018, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2021. Revenue surged 227% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.1M, a strong 67% operating margin.

Mission

To provide medical benefits to insulators in Austin, San Antonio, New Braunfels, Corpus Christi, and surrounding areas.

Program Service Accomplishments

Program 1

Expenses: $1,005,328

To provide medical benefits to members of the Plan

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,203,648

Investment Income $6

Other Revenue $0

TOTAL REVENUE $3,203,654

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,005,328

Other Expenses $66,482

TOTAL EXPENSES $1,071,810

Year-over-Year Comparison

	2021	2020	Change
Revenue	$3,203,654	$980,109	+2.3%
Expenses	$1,071,810	$811,738	+0.3%
Net Income	$2,131,844	$168,371	+11.7%

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
Chuck McClaferty	Mgmt Trustee	002.00	Director	$0	$0	$0
Diana McClaferty	Mgmt Trustee	002.00	Director	$0	$0	$0
Ralph Bridwell	Mgmt Trustee	002.00	Director	$0	$0	$0
Glenn Miles	Union Trustee	002.00	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
2021	$3,203,654	$1,071,810	No data	$2,131,844
2021	$3,203,654	$1,071,810	No data	$2,131,844
2020	$980,109	$811,738	$397,224	$168,371
2019	$1,291,736	$1,232,011	$236,293	$59,725
2018	$1,121,384	$1,029,505	$176,568	$91,879