BAY AREA AUTOMOTIVE GROUP WELFARE FUND (EIN 946072964) - 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

1954

Legal Domicile

Principal Officer

TONY DELORIO

Phone

9258337300

Tax Period

2023-12-01 to 2024-11-30

BAY AREA AUTOMOTIVE GROUP WELFARE FUND, founded in 1954, is a mid-sized nonprofit that reported $51.5M in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $49.2M left a modest 4% surplus.

Mission

TO PROVIDE HEALTH BENEFITS TO ELIGIBLE PARTICIPANTS AND DEFENDENTS.

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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 $50,809,886

Investment Income $687,949

Other Revenue $4,204

TOTAL REVENUE $51,502,039

Expense Breakdown

Grants Paid $0

Salaries & Benefits $28,203

Fundraising Expenses $0

Other Expenses $1,803,638

TOTAL EXPENSES $49,194,828

Year-over-Year Comparison

	2023	2022	Change
Revenue	$51,502,039	$47,629,618	+0.1%
Expenses	$49,194,828	$44,058,396	+0.1%
Net Income	$2,307,211	$3,571,222	-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

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
Tony Delorio	CHAIRMAN	2.0	Officer Director	$0	$0	$0
Glenn Berkheimer	CO-CHAIRMAN	1.0	Officer Director	$0	$0	$0
Jason Finch	TRUSTEE	1.0	Director	$0	$0	$0
Florencio Sinogui	TRUSTEE	1.0	Director	$0	$0	$0
Juan Gallo	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	$51,502,039	$49,194,828	$35,090,419	$2,307,211
2023	$47,629,618	$44,058,396	$30,352,555	$3,571,222
2022	$42,988,498	$40,338,320	$26,673,002	$2,650,178
2021	$35,240,858	$32,580,611	$24,861,126	$2,660,247
2020	$34,588,592	$33,777,433	$20,802,914	$811,159
2019	$43,725,551	$41,015,994	$21,304,283	$2,709,557
2018	$42,318,551	$38,868,406	$18,652,258	$3,450,145

BAY AREA AUTOMOTIVE GROUP WELFARE FUND