Operative Plasters & Cement Masons Health and Welfare (EIN 866056125) - 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

2004

Legal Domicile

Principal Officer

Joel Santos

Phone

5052658422

Tax Period

2024-01-01 to 2024-12-31

Operative Plasters & Cement Masons Health and Welfare, founded in 2004, is a small nonprofit that reported $216K in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $626K exceeded revenue, resulting in a 190% operating deficit.

Mission

Provide health and welfare benefits to eligible 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $210,884

Investment Income $4,710

Other Revenue $272

TOTAL REVENUE $215,866

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $83,287

TOTAL EXPENSES $626,137

Year-over-Year Comparison

	2024	2023	Change
Revenue	$215,866	$302,246	-0.3%
Expenses	$626,137	$910,491	-0.3%
Net Income	$-410,271	$-608,245	-0.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brett Rankin	Chairman	1.00	Director	$0	$0	$0
Tyler Smits	Trustee	1.00	Director	$0	$0	$0
Joel Santos	Secretary	1.00	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
2024	No data	No data	No data	No data
2024	No data	No data	No data	No data
2024	$215,866	$626,137	$133,037	$-410,271
2023	$302,246	$910,491	$527,789	$-608,245
2022	$220,682	$697,615	$995,124	$-476,933
2021	$203,501	$437,583	$1,617,404	$-234,082
2020	$242,373	$512,020	$1,769,258	$-269,647
2019	$275,478	$512,697	$1,942,323	$-237,219
2018	$419,808	$527,603	$1,927,376	$-107,795

Operative Plasters & Cement Masons Health and Welfare