UNITED BROTHERHOOD OF CARPENTERS LOCAL 425 (EIN 922647458) - 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

2023

Legal Domicile

Principal Officer

LUIS AROCHE

Phone

3604241532

Tax Period

2024-07-01 to 2025-06-30

UNITED BROTHERHOOD OF CARPENTERS LOCAL 425, founded in 2023, is a small nonprofit that reported $893K in total revenue in fiscal year 2024.

Mission

TO REPRESENT ALL MEMBERS FOR THEIR MORAL, ECONOMIC AND SOCIAL ADVANCEMENT. TO THAT END, THE OFFICERS AND BUSINESS AGENTS OF THE LOCAL COLLECTIVELY BARGAIN WITH EMPLOYERS ON BEHALF OF THE LOCAL'S MEMBERS.

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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 $742,503

Program Service Revenue $59,677

Investment Income $0

Other Revenue $90,669

TOTAL REVENUE $892,849

Expense Breakdown

Grants Paid $0

Salaries & Benefits $186,250

Fundraising Expenses $0

Other Expenses $703,355

TOTAL EXPENSES $889,605

Year-over-Year Comparison

	2024	2023	Change
Revenue	$892,849	$833,943	+0.1%
Expenses	$889,605	$846,228	+0.1%
Net Income	$3,244	$-12,285	-1.3%

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

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

$106,593

Total Directors

$16,582

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ZACH MCCOWN	PRESIDENT	2.00	Officer	$7,924	$0	$7,924
VICTOR OCHOA	VICE PRESIDE	2.00	Officer	$2,840	$0	$2,840
LUIS AROCHE	FINANCIAL SE	2.00	Officer	$5,359	$0	$5,359
GEORGE GALOVIN	RECORDING SE	2.00	Officer	$6,986	$0	$6,986
BRYCE OWINGS	TREASURER	2.00	Officer	$4,034	$0	$4,034
ROY EDDLEMAN	CONDUCTOR	2.00	Officer	$3,191	$0	$3,191
DENNIS HALLOARAN	WARDEN	2.00	Officer	$3,314	$0	$3,314
LOREN HUGGINS	TRUSTEE	2.00	Director	$6,800	$0	$6,800
ERIC TORSET	TRUSTEE	2.00	Director	$3,381	$0	$3,381
MICHAEL PETRISH	TRUSTEE	2.00	Director	$6,401	$0	$6,401
GISELLE YANEZ	CLERICAL	40.00	Officer	$61,233	$0	$61,233
JANNET VALDEZ	CLERICAL	40.00	Officer	$11,712	$0	$11,712

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	$892,849	$889,605	$157,533	$3,244
2024	$833,943	$846,228	$154,363	$-12,285
2023	$276,419	$111,562	$167,369	$164,857

UNITED BROTHERHOOD OF CARPENTERS LOCAL 425