NORTHERN CALIFORNIA BAKERY & CONFECTIONERY HEALTH AND WELFARE FUND (EIN 946203695) - 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

1985

Legal Domicile

Principal Officer

JERRY GIL

Phone

8002515013

Tax Period

2024-05-01 to 2025-04-30

NORTHERN CALIFORNIA BAKERY & CONFECTIONERY HEALTH AND WELFARE FUND, founded in 1985, is a mid-sized nonprofit that reported $25.5M in total revenue in fiscal year 2024.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO MEMBERS COVERED UNDER THE COLLECTIVE BARGAINING AGREEMENTS BETWEEN THE PARTIES.

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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 $24,554,716

Investment Income $986,219

Other Revenue $2,117

TOTAL REVENUE $25,543,052

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,040,207

TOTAL EXPENSES $24,792,172

Year-over-Year Comparison

	2024	2023	Change
Revenue	$25,543,052	$23,865,407	+0.1%
Expenses	$24,792,172	$19,575,209	+0.3%
Net Income	$750,880	$4,290,198	-0.8%

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

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
JERRY GIL	UNION TRUSTEE	1.0	Director	$0	$0	$0
NORM ANDREWS	EMPLOYER TRUSTEE	1.0	Director	$0	$0	$0
JOHN WEIDENBACH	UNION TRUSTEE	1.0	Director	$0	$0	$0
TODD NELSON	EMPLOYER TRUSTEE	1.0	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
2025	$25,543,052	$24,792,172	$29,720,093	$750,880
2024	$23,865,407	$19,575,209	$26,356,516	$4,290,198
2023	$21,857,718	$24,127,851	$24,146,381	$-2,270,133
2022	$21,166,990	$17,451,253	$24,478,133	$3,715,737
2021	$23,169,311	$25,702,045	$27,480,235	$-2,532,734
2020	$22,467,755	$20,940,940	$26,644,358	$1,526,815
2018	$21,022,631	$22,041,832	$25,843,855	$-1,019,201

NORTHERN CALIFORNIA BAKERY & CONFECTIONERY HEALTH AND WELFARE FUND