NORTHWEST INSULATION WORKERS WELFARE TRUST (EIN 916035786) - 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

1952

Legal Domicile

Principal Officer

TODD MITCHELL

Phone

2064417574

Tax Period

2024-07-01 to 2025-06-30

NORTHWEST INSULATION WORKERS WELFARE TRUST, founded in 1952, is a mid-sized nonprofit that reported $10.2M in total revenue in fiscal year 2024. Expenses of $9.5M left a modest 6% surplus.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE PARTICIPANTS TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $9,167,818

Investment Income $992,394

Other Revenue $0

TOTAL REVENUE $10,160,212

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $776,407

TOTAL EXPENSES $9,540,981

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,160,212	$9,409,750	+0.1%
Expenses	$9,540,981	$8,400,827	+0.1%
Net Income	$619,231	$1,008,923	-0.4%

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
Monty Anderson	Trustee	1.0	Director	$0	$0	$0
Rory Homes	Trustee	1.0	Director	$0	$0	$0
Britt Freel	Trustee	1.0	Director	$0	$0	$0
Tom Daves	Trustee	1.0	Director	$0	$0	$0
Calvin Qu	Trustee	1.0	Director	$0	$0	$0
Anthony See	Trustee	1.0	Director	$0	$0	$0
Todd Mitchell	Chairman	1.0	Officer	$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
2025	$10,160,212	$9,540,981	$34,271,618	$619,231
2024	$9,409,750	$9,185,502	$30,798,605	$224,248
2023	$9,427,841	$7,940,476	$28,936,110	$1,487,365
2022	$8,999,825	$7,197,052	$26,565,335	$1,802,773
2021	$9,687,519	$7,271,960	$27,184,053	$2,415,559
2020	$9,118,762	$8,083,346	$24,678,601	$1,035,416
2019	$9,644,235	$7,808,029	$23,615,176	$1,836,206
2018	$8,815,833	$6,070,985	$20,014,381	$2,744,848

NORTHWEST INSULATION WORKERS WELFARE TRUST