UNITED BROTHERHOOD OF CARPENTERS AND JOINERS LOCAL UNION 474 WHARF (EIN 862986957) - 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

2021

Legal Domicile

Principal Officer

TIMOTHY WARING

Phone

2155691632

Tax Period

2024-07-01 to 2025-06-30

UNITED BROTHERHOOD OF CARPENTERS AND JOINERS LOCAL UNION 474 WHARF, founded in 2021, is a small nonprofit that reported $701K in total revenue in fiscal year 2024.

Mission

TO PROMOTE AND PROTECT THE INTERESTS OF THE MEMBERSHIP AND TO ELEVATE THE MORAL, INTELLECTUAL AND SOCIAL CONDITIONS OF ALL WORKING MEN AND WOMEN.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $606,902

Investment Income $17,535

Other Revenue $76,424

TOTAL REVENUE $700,861

Expense Breakdown

Grants Paid $323,521

Salaries & Benefits $21,030

Fundraising Expenses $0

Other Expenses $351,029

TOTAL EXPENSES $695,580

Year-over-Year Comparison

	2024	2023	Change
Revenue	$700,861	$655,134	+0.1%
Expenses	$695,580	$552,602	+0.3%
Net Income	$5,281	$102,532	-0.9%

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

$9,124

Total Directors

$2,160

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVEN FANELLI	WARDEN	1.00	Officer	$3,184	$0	$3,184
TIMOTHY WARING	PRESIDENT	1.00	Officer	$1,800	$0	$1,800
KENNETH CANNON	RECORDING SE	1.00	Officer	$1,200	$0	$1,200
EDWARD POMYKACZ	FINANCIAL SE	1.00	Officer	$1,200	$0	$1,200
CHRISTIAN DUNNE	TRUSTEE	1.00	Director	$720	$0	$720
KEVIN MCCUTCHEON	TRUSTEE	1.00	Director	$720	$0	$720
SHAWN MCWADE	TRUSTEE	1.00	Director	$720	$0	$720
MICHAEL DIMARIA	VICE PRESIDE	1.00	Officer	$720	$0	$720
WILLIAM DAVIS	CONDUCTOR	1.00	Officer	$660	$0	$660
BRIAN ONUSKANYCH	TREASURER	1.00	Officer	$360	$0	$360

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	$700,861	$695,580	$701,447	$5,281
2024	$655,134	$552,602	$679,965	$102,532
2023	$643,115	$577,720	$566,707	$65,395
2022	$503,821	$495,461	$493,384	$8,360
2021	$560,572	$46,948	$513,624	$513,624

UNITED BROTHERHOOD OF CARPENTERS AND JOINERS LOCAL UNION 474 WHARF