Cement Masons - Employers Trust (EIN 936023044) - 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

1957

Legal Domicile

Phone

5032544022

Tax Period

2024-01-01 to 2024-12-31

Cement Masons - Employers Trust, founded in 1957, is a community nonprofit that reported $8.5M in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year.

Mission

To provide health, welfare, and vacation benefits to 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 $7,888,561

Investment Income $253,314

Other Revenue $407,184

TOTAL REVENUE $8,549,059

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $482,457

TOTAL EXPENSES $9,332,424

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,549,059	$9,642,597	-0.1%
Expenses	$9,332,424	$9,582,735	0.0%
Net Income	$-783,365	$59,862	-14.1%

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
Craig Smith	Trustee	1.00	Director	$0	$0	$0
Trevor Wyckoff	Trustee	1.00	Director	$0	$0	$0
Steve Jones	Trustee	1.00	Director	$0	$0	$0
Jim Lang	Trustee	1.00	Director	$0	$0	$0
John Killin	Trustee	1.00	Director	$0	$0	$0
Kent Sickles	Trustee	1.00	Director	$0	$0	$0
Jose Avalos	Trustee	1.00	Director	$0	$0	$0
Jeremy Kendall	Trustee	1.00	Director	$0	$0	$0
Geoff Kossak	Chairman	1.00	Officer	$0	$0	$0
Greg Whitaker	Secretary	1.00	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
2024	$8,549,059	$9,332,424	$8,290,572	$-783,365
2023	$9,642,597	$9,582,735	$8,813,848	$59,862
2022	$8,230,035	$7,782,478	$8,183,466	$447,557
2021	$9,268,256	$8,968,789	$8,973,277	$299,467
2020	$9,148,184	$7,936,892	$8,747,192	$1,211,292
2019	$8,526,612	$8,023,215	$7,122,787	$503,397
2018	$8,106,112	$7,451,120	$6,272,679	$654,992

Cement Masons - Employers Trust