CARPENTERS & MILLWRIGHTS HEALTH BENEFIT TRUST FUND (EIN 840922842) - 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

1965

Legal Domicile

Principal Officer

NINA GUTIERREZ

Phone

2133868590

Tax Period

2020-01-01 to 2020-12-31

CARPENTERS & MILLWRIGHTS HEALTH BENEFIT TRUST FUND, founded in 1965, is a small nonprofit that reported $194K in total revenue in fiscal year 2020. Revenue fell 98% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $797K, a strong 410% operating margin.

Mission

TO PROVIDE HEALTH BENEFITS TO PLAN PARTICIPANTS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $194,308

Other Revenue $0

TOTAL REVENUE $194,308

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $236,029

TOTAL EXPENSES $-603,058

Year-over-Year Comparison

	2020	2019	Change
Revenue	$194,308	$10,918,069	-1.0%
Expenses	$-603,058	$7,522,357	-1.1%
Net Income	$797,366	$3,395,712	-0.8%

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
MARK THOMPSON	TRUSTEE	1.0	Director	$0	$0	$0
brad marsh	TRUSTEE	1.0	Director	$0	$0	$0
CHRIS PEDERSEN	TRUSTEE	1.0	Director	$0	$0	$0
JIM GLEASON	TRUSTEE - FORMER	1.0	Director	$0	$0	$0
BILL MCCARTHY	TRUSTEE	1.0	Director	$0	$0	$0
GEOFFREY MOORE	TRUSTEE	1.0	Director	$0	$0	$0
GORDON HUBEL	TRUSTEE	1.0	Director	$0	$0	$0
TODD BERRY	TRUSTEE	1.0	Director	$0	$0	$0
DAN LANGFORD	TRUSTEE	1.0	Director	$0	$0	$0
FRANK HAWK	TRUSTEE	1.0	Director	$0	$0	$0
chuck binder	trustee	1.0	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
2020	$194,308	$-603,058	No data	$797,366
2019	$10,918,069	$7,522,357	$8,368,569	$3,395,712
2018	$8,999,978	$10,023,279	$9,505,403	$-1,023,301

CARPENTERS & MILLWRIGHTS HEALTH BENEFIT TRUST FUND