National Association of Letter Carriers Branch 782 (EIN 956187848) - 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

1901

Principal Officer

JOHN ORTEGA

Phone

6613319171

Tax Period

2025-01-01 to 2025-12-31

National Association of Letter Carriers Branch 782, founded in 1901, is a small nonprofit that reported $224K in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $40K, a strong 18% operating margin.

Mission

EMPLOYEE UNION LOCAL BRANCH

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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 $738

Program Service Revenue $217,809

Investment Income $1,754

Other Revenue $3,241

TOTAL REVENUE $223,542

Expense Breakdown

Grants Paid $2,800

Salaries & Benefits $104,594

Fundraising Expenses $0

Other Expenses $74,080

TOTAL EXPENSES $183,954

Year-over-Year Comparison

	2025	2024	Change
Revenue	$223,542	$249,497	-0.1%
Expenses	$183,954	$196,877	-0.1%
Net Income	$39,588	$52,620	-0.2%

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

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

$38,415

Total Directors

$20,984

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL TOWERY	President	30.00	Officer	$23,333	$0	$23,333
MIKE MEZA	Trustee	1.00	Director	$7,185	$0	$7,185
JOHN ORTEGA	Vice President	2.00	Officer	$6,415	$0	$6,415
PAUL SALAZAR	Trustee	1.00	Director	$5,962	$0	$5,962
NORMA HAMER	RECORDING SEC'Y	2.00	Officer	$4,536	$0	$4,536
TERESA SALAZAR	Treasurer	4.00	Officer	$4,131	$0	$4,131
JOSHUA CARILLO	SGT AT ARMS	1.00	Director	$2,518	$0	$2,518
DENISE REAM	Financial Sec'y	2.00	Director	$2,388	$0	$2,388
DAVID TRETO	Trustee	1.00	Director	$1,503	$0	$1,503
MARK RAMIREZ	HBP & MBA REP	1.00	Director	$1,428	$0	$1,428

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	$223,542	$183,954	$817,865	$39,588
2024	$249,497	$196,877	$778,102	$52,620
2023	$222,921	$179,205	$724,634	$43,716
2022	$202,172	$141,757	$679,532	$60,415
2021	$170,682	$107,494	$621,714	$63,188
2020	$212,285	$139,010	$557,199	$73,275

National Association of Letter Carriers Branch 782