OREGON BAKERS UNION TRUST FUND (EIN 930464898) - 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

TAYLOR ALMOND

Phone

5032825581

Tax Period

2023-10-01 to 2024-09-30

OREGON BAKERS UNION TRUST FUND, founded in 1952, is a mid-sized nonprofit that reported $15.0M in total revenue in fiscal year 2023. Expenses of $13.4M left a modest 10% surplus.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE COLLECTIVELY BARGAINED 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $14,391,778

Investment Income $560,848

Other Revenue $0

TOTAL REVENUE $14,952,626

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $364,817

TOTAL EXPENSES $13,419,722

Year-over-Year Comparison

	2023	2022	Change
Revenue	$14,952,626	$15,187,081	0.0%
Expenses	$13,419,722	$13,219,112	+0.0%
Net Income	$1,532,904	$1,967,969	-0.2%

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
DARREN HAMANN	TRUSTEE/CHAIRMAN - TERM. 5/24	4.0	Officer Director	$0	$0	$0
SEAN HAMMOND	TRUSTEE/SECRETARY - TERM. 5/24	4.0	Officer Director	$0	$0	$0
TAYLOR ALMOND	TRUSTEE/CHAIRMAN - EFF. 5/24	4.0	Officer Director	$0	$0	$0
ERIC BONAWITZ	TRUSTEE/SECRETARY - EFF. 5/24	1.0	Officer Director	$0	$0	$0
JERRY D'AMBROSIO	TRUSTEE	1.0	Director	$0	$0	$0
JOHN ONTIVEROS	TRUSTEE - TERM. 5/24	1.0	Director	$0	$0	$0
ANDREW STERN	TRUSTEE	1.0	Director	$0	$0	$0
DAVID GETTMAN	TRUSTEE - EFF. 5/24	1.0	Director	$0	$0	$0
JERAD COINE	TRUSTEE	1.0	Director	$0	$0	$0
SEE SCHEDULE O FOR COMPENSATION	PAID BY RELATED ORGANIZATIONS	0.0	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
2024	$14,952,626	$13,419,722	$17,198,234	$1,532,904
2023	$15,187,081	$13,219,112	$15,485,242	$1,967,969
2022	$15,215,557	$14,361,343	$13,464,626	$854,214
2021	$15,293,835	$14,208,350	$13,084,162	$1,085,485
2020	$15,016,051	$14,043,231	$11,896,973	$972,820
2019	$14,066,660	$12,715,854	$10,658,681	$1,350,806
2018	$14,297,242	$12,584,201	$9,201,049	$1,713,041

OREGON BAKERS UNION TRUST FUND