BAKERS UNION LOCAL 37 HEALTH & WELFARE FUND (EIN 956048924) - 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

1949

Legal Domicile

Principal Officer

CYNTHIA VASQUEZ

Phone

9142208290

Tax Period

2024-05-01 to 2025-04-30

BAKERS UNION LOCAL 37 HEALTH & WELFARE FUND, founded in 1949, is a mid-sized nonprofit that reported $11.7M in total revenue in fiscal year 2024.

Mission

TO PROVIDE HEALTH AND WELFARE 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 $11,612,846

Investment Income $89,167

Other Revenue $0

TOTAL REVENUE $11,702,013

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $266,182

TOTAL EXPENSES $12,734,676

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,702,013	$12,209,182	0.0%
Expenses	$12,734,676	$11,568,352	+0.1%
Net Income	$-1,032,663	$640,830	-2.6%

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
GERARDO GONZALEZ	TRUSTEE	5.0	Director	$0	$0	$0
MATTHEW HAUSER	TRUSTEE	5.0	Director	$0	$0	$0
CYNTHIA VASQUEZ	TRUSTEE	5.0	Director	$0	$0	$0
PIERRE VEGAR	TRUSTEE	5.0	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	$11,702,013	$12,734,676	$6,149,440	$-1,032,663
2024	$12,209,182	$11,568,352	$6,978,944	$640,830
2023	$11,634,547	$10,936,495	$6,945,955	$698,052
2022	$11,690,505	$11,232,372	$6,346,834	$458,133
2021	$10,922,303	$11,159,146	$6,017,977	$-236,843
2020	$11,213,788	$10,374,653	$6,048,030	$839,135
2019	$10,427,549	$9,789,810	$5,527,575	$637,739
2018	$9,347,613	$8,419,360	$4,675,893	$928,253

BAKERS UNION LOCAL 37 HEALTH & WELFARE FUND