NORTHERN CALIFORNIA BAKERY DRIVERS SECURITY FUND (EIN 946073089) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1952

Legal Domicile

Principal Officer

JAMES HAM

Phone

4155467800

Tax Period

2023-10-01 to 2024-09-30

NORTHERN CALIFORNIA BAKERY DRIVERS SECURITY FUND, founded in 1952, is a mid-sized nonprofit that reported $21.8M in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $24.3M exceeded revenue, resulting in a 12% operating deficit.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE COLLECTIVELY BARGAINED MEMBERS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $20,185,207

Investment Income $1,596,983

Other Revenue $2,933

TOTAL REVENUE $21,785,123

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,128,496

TOTAL EXPENSES $24,297,043

Year-over-Year Comparison

	2023	2022	Change
Revenue	$21,785,123	$20,085,218	+0.1%
Expenses	$24,297,043	$21,873,907	+0.1%
Net Income	$-2,511,920	$-1,788,689	+0.4%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

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
JAMES HAM	Trustee	2.0	Director	$0	$0	$0
marty crandall	trustee	1.0	Director	$0	$0	$0
john ontiveros	tRUSTEE	1.0	Director	$0	$0	$0
Don Garcia	trustee	1.0	Director	$0	$0	$0
Steven Lua	trustee	1.0	Director	$0	$0	$0
Kelly Dryden	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	$21,785,123	$24,297,043	$28,556,018	$-2,511,920
2023	$20,085,218	$21,873,907	$28,324,472	$-1,788,689
2022	$20,709,227	$21,055,289	$29,110,736	$-346,062
2021	$21,225,208	$20,998,483	$35,281,870	$226,725
2020	$23,467,063	$22,719,580	$37,834,327	$747,483
2019	$21,717,366	$20,045,433	$32,321,676	$1,671,933
2018	$21,245,396	$20,537,354	$30,373,030	$708,042

NORTHERN CALIFORNIA BAKERY DRIVERS SECURITY FUND