ROOFERS EAST BAY-NORTH BAY AREA VACATION TRUST FUND (EIN 946075621) - 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

Principal Officer

MANUEL DE SANTIAGO III

Phone

4082884400

Tax Period

2024-08-01 to 2025-07-31

ROOFERS EAST BAY-NORTH BAY AREA VACATION TRUST FUND, founded in 1957, is a community nonprofit that reported $6.9M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

PROVIDING VACATION BENEFITS TO ELIGIBLE 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 $6,747,829

Investment Income $50,649

Other Revenue $137,185

TOTAL REVENUE $6,935,663

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,000,909

Other Expenses $36,336

TOTAL EXPENSES $7,037,245

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,935,663	$6,292,953	+0.1%
Expenses	$7,037,245	$6,434,334	+0.1%
Net Income	$-101,582	$-141,381	-0.3%

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
CARLOS OPFERMANN	TRUSTEE	1.00	Director	$0	$0	$0
MANUEL DE SANTIAGO III	TRUSTEE	1.00	Director	$0	$0	$0
STEVE HENRIS	TRUSTEE	1.00	Director	$0	$0	$0
STEVEN REARDON	TRUSTEE	1.00	Director	$0	$0	$0
MORGAN NOLDE	TRUSTEE	1.00	Director	$0	$0	$0
DOUGLAS ZIEGLER	TRUSTEE	1.00	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
2025	$6,935,663	$7,037,245	$2,095,582	$-101,582
2024	$6,292,953	$6,434,334	$2,151,708	$-141,381
2023	$5,829,616	$6,002,584	$2,219,518	$-172,968
2022	$5,724,910	$5,689,431	$2,113,420	$35,479
2021	$6,246,907	$6,180,308	$2,066,335	$66,599
2020	$5,854,838	$5,741,033	$1,938,292	$113,805
2019	$5,770,730	$5,687,212	$1,945,554	$83,518
2018	$5,494,544	$5,464,430	$1,728,640	$30,114

ROOFERS EAST BAY-NORTH BAY AREA VACATION TRUST FUND