AMERICAN POSTAL WORKERS UNION aka … - Form 990 Financial Data

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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

1973

Legal Domicile

Principal Officer

Ricardo Ruiz

Phone

9099812260

Tax Period

2025-01-01 to 2025-12-31

AMERICAN POSTAL WORKERS UNION aka APWU California Area Local 4635, founded in 1973, is a small nonprofit that reported $868K in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year.

Mission

Represent general membership for the benefits of economic support and promote better working conditions

Program Service Accomplishments

Program 1

Represent general membership for the benefits of economic support and promote better working conditions for the union members.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $867,075

Investment Income $909

Other Revenue $0

TOTAL REVENUE $867,984

Expense Breakdown

Grants Paid $0

Salaries & Benefits $643,586

Fundraising Expenses $0

Program Expenses $0

Other Expenses $298,455

TOTAL EXPENSES $942,041

Year-over-Year Comparison

	2025	2024	Change
Revenue	$867,984	$943,037	-0.1%
Expenses	$942,041	$866,769	+0.1%
Net Income	$-74,057	$76,268	-2.0%

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

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

$414,125

Total Directors

$4,145

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ricardo Ruiz	President	40	Officer	$110,909	$0	$110,909
Joseph Macias	Past Vice President	40		$104,567	$0	$104,567
Assad Conley	Executive VP	40	Officer	$104,234	$0	$104,234
Rafael Perez	Secretary/Treasurer	40	Officer	$103,994	$0	$103,994
Patricia Narmore	Vice President	40	Officer	$94,988	$0	$94,988
Arthur King	MVS Craft Director	1	Director	$4,145	$0	$4,145
Nate Kindred	Maintenance Craft Director	1	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	$867,984	$942,041	$241,458	$-74,057
2024	$943,037	$866,769	$349,479	$76,268
2023	$987,386	$938,778	$273,210	$48,608
2022	$904,800	$930,189	$257,010	$-25,389
2021	$824,612	$763,734	$274,596	$60,878
2020	$781,617	$774,499	$205,735	$7,118
2019	$773,822	$710,448	$212,827	$63,374
2018	$801,588	$801,613	$147,074	$-25

AMERICAN POSTAL WORKERS UNION aka APWU California Area Local 4635