United Brotherhood of Carpenters & Joiners of America Local 405 (EIN 940370700) - 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

1887

Legal Domicile

Principal Officer

Peter Amaral

Phone

4082697316

Tax Period

2024-07-01 to 2025-06-30

United Brotherhood of Carpenters & Joiners of America Local 405, founded in 1887, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Net assets of $5.9M represent 24 months of operating reserves.

Mission

To improve welfare of workers services: Dispatch, representation, and education.

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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 $2,595,240

Investment Income $328,228

Other Revenue $-42,650

TOTAL REVENUE $2,880,818

Expense Breakdown

Grants Paid $1,505

Salaries & Benefits $1,552,456

Fundraising Expenses $0

Other Expenses $1,318,637

TOTAL EXPENSES $2,872,598

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,880,818	$2,630,939	+0.1%
Expenses	$2,872,598	$2,570,288	+0.1%
Net Income	$8,220	$60,651	-0.9%

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

173

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

$53,848

Total Directors

$53,848

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Peter Amaral	President	1.00	Officer Director	$7,005	$852	$7,857
Rene Baez	Vice President	0.80	Officer Director	$3,305	$0	$3,305
Samuel Munoz	Financial Secretary/Treasurer	1.50	Officer Director	$5,425	$0	$5,425
Tiffany Welch	Recording Secretary	1.50	Officer Director	$4,875	$0	$4,875
Cesar Plascencia	Conductor	0.80	Officer Director	$2,565	$0	$2,565
Imelda Gutierrez	Warden	0.80	Officer Director	$5,058	$852	$5,910
Rick Ortega	Trustee	1.00	Officer Director	$17,577	$0	$17,577
Jaime Vasquez	Trustee	1.00	Officer Director	$3,908	$0	$3,908
Djani Drocic	Trustee	1.00	Officer Director	$2,426	$0	$2,426

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	$2,880,818	$2,872,598	$6,272,597	$8,220
2024	No data	No data	No data	No data
2023	$2,531,188	$2,634,678	$5,739,555	$-103,490
2022	$2,166,175	$2,541,393	$5,852,126	$-375,218
2021	$2,281,921	$2,336,760	$6,237,096	$-54,839
2020	$2,306,840	$1,926,775	$6,317,623	$380,065
2019	$2,215,919	$2,196,634	$5,970,398	$19,285
2018	$2,236,359	$2,211,097	$5,976,895	$25,262

United Brotherhood of Carpenters & Joiners of America Local 405