ASSOCIATED PRODUCE DEALERS & BROKERS TR OF LA - INSURANCE TRUST (EIN 956155252) - 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

1961

Legal Domicile

Phone

2136236293

Tax Period

2025-01-01 to 2025-12-31

ASSOCIATED PRODUCE DEALERS & BROKERS TR OF LA - INSURANCE TRUST, founded in 1961, is a mid-sized nonprofit that reported $10.6M in total revenue in fiscal year 2025.

Mission

PRODUCE BROKERS & DEALERS IS AN ASSOCIATION WITH A COMMON INTEREST OF CONDUCTING BUSINESS TO ADVANCE & PROMOTE PRODUCE & TO PROMOTE HIGH STANDARDS & BUSINESS PRACTICES.

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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 $10,574,266

Investment Income $1,874

Other Revenue $0

TOTAL REVENUE $10,576,140

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $338,020

TOTAL EXPENSES $10,635,063

Year-over-Year Comparison

	2025	2024	Change
Revenue	$10,576,140	$10,020,570	+0.1%
Expenses	$10,635,063	$10,206,839	+0.0%
Net Income	$-58,923	$-186,269	-0.7%

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

$102,642

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD ARIAS	EXEC VP/SEC/TR	40.00	Officer	$0	$6,370	$65,170
Ronald Bateman	SENIOR VP	40.00	Officer	$0	$12,972	$37,472
Mark Tanimura	Director/Pres	0.00	Officer Director	$0	$0	$0
Tracy Hellman	Director/Treas	0.00	Officer Director	$0	$0	$0
CAROLE SHANDLER	Director/VP	0.00	Officer 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	$10,576,140	$10,635,063	$315,505	$-58,923
2024	$10,020,570	$10,206,839	$374,428	$-186,269
2023	$9,780,077	$9,928,995	$560,697	$-148,918
2022	$10,503,490	$10,697,172	$709,615	$-193,682
2021	$10,694,883	$10,481,521	$903,297	$213,362
2020	$17,397,474	$17,437,221	$764,852	$-39,747

ASSOCIATED PRODUCE DEALERS & BROKERS TR OF LA - INSURANCE TRUST