Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel reports fluctuating financial performance with no officer compensation.
EIN: 20772989 · Northwood, OH · NTEE: Y43 · Updated: 2026-03-28
Source Check Matrix
What Has Been Verified vs. What Needs Human Review
Identity resolved verified
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel is mapped to EIN 20772989.
IRS BMF exempt record needs review
Open IRS TEOS or BMF source before relying on exemption status.
IRS Pub 78 deductibility needs review
Pub 78 eligibility should be verified in IRS TEOS before money changes hands.
IRS automatic revocation needs review
Check the official auto-revocation bulk source or cached evidence before relying on current exemption.
IRS Form 990 index verified
12 stored filing years available.
Raw 990 source linked
Open ProPublica to verify the raw filing record and PDFs.
Filing depth verified
12 stored filing years available.
State charity registration manual confirmation
Open Ohio charitable registration search; the workflow stops for human confirmation unless a stable source is cached.
Candid / GuideStar profile api pending
Candid API access is not configured; open manually and do not count as verified evidence.
Charity Navigator rating api pending
Charity Navigator API access is not configured; open manually and do not count as verified evidence.
Source and Resolution Links
Finish the Investigation Outside Our Dataset
When the answer lives with the IRS, ProPublica, Candid, Charity Navigator, or the nonprofit itself, NonprofitSpending links out instead of trapping the user on a partial answer.
IRS tax-exempt lookup
Verify exemption status and deductibility directly with the IRS.
IRS bulk evidence downloads
Check Pub 78, automatic revocation, 990-N, and Form 990 bulk evidence sources.
IRS EO BMF extract
Open the official Business Master File extract source for tax-exempt organization records.
ProPublica 990 source
Open the raw filing record and filing PDFs outside NonprofitSpending.
Ohio charitable registration search
Confirm state charity registration or solicitation status where applicable.
Candid profile search
Look for GuideStar/Candid profile details, programs, leadership, and seals.
Charity Navigator search
Check whether another evaluator has ratings or impact context.
Workflow Engine
Queries We Should Resolve, Not Just Answer
Search Console demand points to task completion. Each workflow can run calculations, source checks, external lookups, comparisons, and report/export capture around this nonprofit.
Verify tax status Runnable
Triggered by: 501(c)(3), tax deductible, EIN
IRS status check plus source links
Verify official evidence Runnable
Triggered by: IRS Pub 78, BMF, revocation, 990 index, state registration
Official-source evidence matrix with human stops where a state portal must be checked.
Resolve tax deductibility Runnable
Triggered by: is my donation tax deductible, Pub 78, donor receipt
Pub 78, BMF, and revocation checks turned into a donor-safe deductibility path.
Check state solicitation Runnable
Triggered by: allowed to solicit, charity registration, state compliance
Official state regulator route with human confirmation when no reliable API exists.
Find source filings Runnable
Triggered by: 990 PDF, annual report, filing record
12 stored filing years plus ProPublica source
Crunch money signals Runnable
Triggered by: program expense ratio, CEO salary, revenue, grants
90% program spend, health grade B
Compare alternatives Runnable
Triggered by: best charities, similar nonprofits, compare
4 peer options surfaced
Resolve leadership and board Runnable
Triggered by: executive team, trustees, officer pay
Use 990 compensation disclosures and external profile links.
Analyze executive compensation Runnable
Triggered by: CEO salary, excessive compensation, officer pay
Officer-pay context against revenue, filings, state/category compensation, and source records.
Donation decision copilot Runnable
Triggered by: should I donate, give or compare, charity safety
Eligibility, money signals, sources, peer context, and next action.
Grantmaker due diligence Runnable
Triggered by: foundation review, grant risk, grantee capacity
Foundation-style packet across filings, finances, governance, and gaps.
Build grant/funder shortlist Runnable
Triggered by: find funders, grantee shortlist, mission fit
Geography, cause, evidence gaps, and peers converted into a funder/grantee action path.
Impact evidence finder Runnable
Triggered by: outcomes, annual report, cost effectiveness
Separate actual impact evidence from raw 990 financial cleanliness.
Room for more funding Runnable
Triggered by: would my donation help, funding gap, marginal impact
Revenue trend, runway, surplus/deficit, and source follow-ups.
Operator transparency diagnostic Runnable
Triggered by: how does my nonprofit look to donors
Profile, filing, impact, and transparency improvements to earn trust.
Create compliance monitor Runnable
Triggered by: watch new 990, revocation, Pub 78, registration changes
Monitoring plan for IRS status, new filings, revocation signals, and state follow-ups.
| Metric | Value |
|---|---|
| Total Revenue | $7.1M |
| Total Expenses | $5.4M |
| Program Spending | 90% |
| Net Assets | $18.8M |
| Transparency Score | 85/100 |
Search Intent Cockpit
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel Form 990, Revenue, CEO Pay, and IRS Filing Signals
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel in one place.
Form 990 Filing Summary
12 filing years are available, with latest revenue of $4.0M and expenses of $5.4M.
Revenue and Expenses
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel reported $4.0M in revenue and $5.4M in expenses, a deficit of $1.4M.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
85/100 mission score, 2 red flags, and 3 strengths are shown from structured and AI review.
Is Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $4.9M (90%) |
Across stored filings, Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 90% to programs | Excellent |
| Financial durability | Grade B | 12 stored filing years |
| Peer context | Compare with Alliance Of Independent Academic Medical Centers | Ohio and Category Y context |
Trust Check
Review legitimacy, deductibility, red flags, and filing consistency.
Open charity check →Peer Benchmark
Compare against real state and category peers.
Compare with Alliance Of Independent Academic Medical Centers →All Ohio nonprofits
All Category Y
Local and Sector Spokes
Move into this nonprofit's local market, category, and sector maps.
Northwood, OH nonprofitsCategory Y in Ohio
Mutual Benefit in Ohio
Follow the Money
Jump into spending, compensation, rankings, and filing-year evidence.
State spending analysisState compensation analysis
Category Y spending
Best Category Y charities in Ohio
Relevant rankings
Donation Decision Flow
From Trust Check to Better Alternatives
Alternative Shopping
Similar Nonprofits Donors Should Compare
Fg Foundation
Columbus, OH · $356K revenue · Score 95/100
Compare side-by-sideArts Impact Incorporated
Cleveland, OH · $865K revenue · Score 92/100
Compare side-by-sideFoundation For The Challenged
Dublin, OH · $4.2M revenue · Score 90/100
Compare side-by-sideShepherds Crook Ministries Inc
Fairfield Twp, OH · $398K revenue · Score 90/100
Compare side-by-sideNext Best Actions
Keep the Investigation Moving
Research Workflow
Turn this Form 990 profile into a donor-ready report
Request a concise report for Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel with revenue, expenses, executive compensation, red flags, peer context, and IRS source links. You can also request CSV exports or watchlist updates for future filings.
Early access request only. Reports and exports are informational and based on public IRS records, not financial or legal advice.
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel (EIN: 20772989) is a nonprofit organization based in Northwood, OH, classified under NTEE code Y43. The organization reported total revenue of $7.1M and total assets of $20.2M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel is a mid-size nonprofit that has been operating for 19 years, with 12 years of IRS 990 filings on record (2011–2022). Revenue has grown at a compound annual rate of -0.3%.
Key Financial Metrics (2022)
From the most recent IRS 990 filing on record:
| Total Revenue | $4.0M |
| Total Expenses | $5.4M |
| Surplus / Deficit | $-1,374,805 |
| Total Assets | $20.2M |
| Total Liabilities | $1.3M |
| Net Assets | $18.8M |
| Operating Margin | -34.2% |
| Debt-to-Asset Ratio | 6.6% |
| Months of Reserves | 44.9 months |
Financial Health Grade: B
In 2022, Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel reported a deficit of $1.4M with expenses exceeding revenue, holds 44.9 months of operating reserves (strong position), has a debt-to-asset ratio of 6.6% (very low leverage).
Financial Trends
Over 12 years of filings (2011–2022), Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel's revenue has declined at a compound annual growth rate (CAGR) of -0.3%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2022 | +92.9% | -15.5% | -12.4% |
| 2021 | -68.2% | +45.5% | -11.4% |
| 2020 | -25.6% | +5.1% | +14.5% |
| 2019 | +20.2% | -16.6% | +36.3% |
| 2018 | +4.3% | +20.3% | +5.3% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2007 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 90%
- fundraising: 0%
According to IRS 990 filings, Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel allocates its expenses as follows: admin: 10%, programs: 90%, fundraising: 0%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2022)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $1.4M, with expenses exceeding revenue.
- Debt-to-asset ratio: 6.6%.
Executive Compensation Analysis
Executive compensation is consistently reported as 0% across all available filings, indicating that no salaries or other compensation are paid to officers, which is highly unusual and suggests a volunteer-led or externally managed structure for leadership.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel's IRS 990 filings:
- Significant annual deficits in recent years (e.g., $1,374,805 in 2022 and $4,304,245 in 2021) could indicate unsustainable spending if not offset by prior surpluses or specific fund management strategies.
- Fluctuating asset base, decreasing from $26,013,213 in 2020 to $20,180,373 in 2022, warrants monitoring to ensure long-term solvency for retiree benefits.
Strengths
The following positive indicators were identified for Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel:
- Consistent 0% officer compensation across all filings demonstrates exceptional financial efficiency and a strong commitment to its mission.
- Substantial asset base of $20,180,373 in 2022 provides a buffer against financial fluctuations and supports long-term obligations.
- Regular IRS 990 filings over 12 periods indicate a commitment to transparency and compliance.
Frequently Asked Questions about Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel
Is Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel a legitimate charity?
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel (EIN: 20772989) is a registered tax-exempt nonprofit based in Ohio. Our AI analysis gives it a Mission Score of 85/100. It has 12 years of IRS 990 filings on record. Total revenue: $7.1M. 2 red flags identified. 3 strengths noted. Financial health grade: B.
How does Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel spend its money?
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel directs 90% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel tax-deductible?
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel is registered as a tax-exempt nonprofit (EIN: 20772989). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel is above average for NTEE category Y43 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel located?
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel is headquartered in Northwood, Ohio and files with the IRS under EIN 20772989. It is classified under NTEE code Y43.
How many years of IRS 990 filings does Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel have?
Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel has 12 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $7.1M in total revenue.
How does the organization manage its deficits, such as the $1,374,805 deficit in 2022?
The organization likely covers deficits through its accumulated assets, which stood at $20,180,373 in 2022, or through investment income not fully captured in the 'revenue' line item provided, which is common for health and welfare funds.
What are the primary drivers of the significant fluctuations in annual revenue and expenses?
Given its NTEE code (Pension / Retirement Issues), fluctuations are likely driven by investment returns, changes in contributions from employers or members, and the timing and volume of benefit payouts to retirees.
How does the organization sustain operations with 0% officer compensation?
This suggests that leadership roles may be filled by volunteers, or that administrative functions are outsourced or managed by staff whose compensation is not categorized as 'officer compensation' on the 990, or that it's a trust managed by a third party.
Filing History
IRS 990 filing history for Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel showing financial trends over 12 years of public records:
Over 12 years of IRS 990 filings (2011–2022), Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel's revenue has declined by 3.7%, moving from $4.2M to $4.0M. Total assets increased by 175.2% over the same period, from $7.3M to $20.2M. Total functional expenses rose by 12.6%, from $4.8M to $5.4M. In its most recent filing year (2022), Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel reported a deficit of $1.4M, with expenses exceeding revenue. The organization holds $1.3M in liabilities against $20.2M in assets (debt-to-asset ratio: 6.6%), resulting in net assets of $18.8M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2022 | $4.0M | $5.4M | $20.2M | $1.3M | — | — |
| 2021 | $2.1M | $6.4M | $23.0M | $1.5M | — | View 990 |
| 2020 | $6.6M | $4.4M | $26.0M | $660K | — | — |
| 2019 | $8.8M | $4.2M | $22.7M | $525K | — | View 990 |
| 2018 | $7.3M | $5.0M | $16.7M | $449K | — | View 990 |
| 2017 | $7.0M | $4.2M | $15.8M | $445K | — | View 990 |
| 2016 | $8.3M | $4.3M | $12.7M | $794K | — | View 990 |
| 2015 | $3.2M | $5.3M | $9.2M | $1.3M | — | View 990 |
| 2014 | $5.7M | $5.5M | $11.7M | $1.6M | — | View 990 |
| 2013 | $3.9M | $3.8M | $11.0M | $1.4M | — | View 990 |
| 2012 | $5.9M | $4.0M | $9.9M | $790K | — | View 990 |
| 2011 | $4.2M | $4.8M | $7.3M | $422K | — | View 990 |
Year-by-Year Financial Summary
- 2022: Revenue of $4.0M, expenses of $5.4M, and assets of $20.2M (revenue +92.9% year-over-year).
- 2021: Revenue of $2.1M, expenses of $6.4M, and assets of $23.0M (revenue -68.2% year-over-year).
- 2020: Revenue of $6.6M, expenses of $4.4M, and assets of $26.0M (revenue -25.6% year-over-year).
- 2019: Revenue of $8.8M, expenses of $4.2M, and assets of $22.7M (revenue +20.2% year-over-year).
- 2018: Revenue of $7.3M, expenses of $5.0M, and assets of $16.7M (revenue +4.3% year-over-year).
- 2017: Revenue of $7.0M, expenses of $4.2M, and assets of $15.8M (revenue -15.5% year-over-year).
- 2016: Revenue of $8.3M, expenses of $4.3M, and assets of $12.7M (revenue +157.8% year-over-year).
- 2015: Revenue of $3.2M, expenses of $5.3M, and assets of $9.2M (revenue -43.8% year-over-year).
- 2014: Revenue of $5.7M, expenses of $5.5M, and assets of $11.7M (revenue +46.1% year-over-year).
- 2013: Revenue of $3.9M, expenses of $3.8M, and assets of $11.0M (revenue -33.3% year-over-year).
- 2012: Revenue of $5.9M, expenses of $4.0M, and assets of $9.9M (revenue +41.0% year-over-year).
- 2011: Revenue of $4.2M, expenses of $4.8M, and assets of $7.3M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel:
Data Sources and Methodology
This transparency report for Northwestern Ohio Plumbers And Pipefitters Retiree Health And Wel is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.