Retail Wholesale & Department Store Union
Retail Wholesale & Department Store Union: Stable Revenue, High Administrative Costs
EIN: 221345822 · Kenilworth, NJ · Updated: 2026-04-04
| Metric | Value |
|---|---|
| Total Revenue | $701K |
| Total Expenses | $618K |
| Program Spending | 60% |
| Net Assets | $-67,859 |
| Transparency Score | 65/100 |
Is Retail Wholesale & Department Store Union Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Retail Wholesale & Department Store Union directs 60% of its spending to programs. This falls below the 65% benchmark. Donors may want to investigate further.
About Retail Wholesale & Department Store Union
Retail Wholesale & Department Store Union (EIN: 221345822) is a nonprofit organization based in Kenilworth, NJ. The organization reported total revenue of $701K and total assets of $17K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Retail Wholesale & Department Store Union's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Retail Wholesale & Department Store Union is a small nonprofit that has been operating for 83 years, with 7 years of IRS 990 filings on record (2013–2023). Revenue has grown at a compound annual rate of 2.9%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $650K |
| Total Expenses | $618K |
| Surplus / Deficit | +$32K |
| Total Assets | $32K |
| Total Liabilities | $100K |
| Net Assets | $-67,859 |
| Operating Margin | 5.0% |
| Debt-to-Asset Ratio | 310.7% |
| Months of Reserves | 0.6 months |
Financial Health Grade: B
In 2023, Retail Wholesale & Department Store Union reported a surplus of $32K with revenue exceeding expenses, holds 0.6 months of operating reserves (limited), has a debt-to-asset ratio of 310.7% (high leverage).
Financial Trends
Over 7 years of filings (2013–2023), Retail Wholesale & Department Store Union's revenue has grown at a compound annual growth rate (CAGR) of 2.9%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +21.0% | +15.5% | -70.7% |
| 2020 | +3.8% | +14.3% | +2.1% |
| 2019 | +3.9% | -5.0% | +86.3% |
| 2018 | -0.8% | +0.6% | +11.0% |
| 2017 | +10.0% | +5.5% | +255.6% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 3000 |
| IRS Ruling Date | 1943 |
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 Retail Wholesale & Department Store Union with a Mission Score of 65 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 30%
- programs: 60%
- fundraising: 10%
According to IRS 990 filings, Retail Wholesale & Department Store Union allocates its expenses as follows: admin: 30%, programs: 60%, fundraising: 10%. Approximately 60% goes to programs, indicating moderate mission focus.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $32K, with revenue exceeding expenses.
- Debt-to-asset ratio: 310.7%.
Executive Compensation Analysis
Executive compensation is not explicitly detailed in the provided data, making a direct assessment of specific dollar amounts impossible without further filings.
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 Retail Wholesale & Department Store Union's IRS 990 filings:
- High administrative expenses relative to total expenditures, suggesting potential inefficiencies.
- Lack of detailed program spending breakdown makes it difficult to assess impact.
- Limited public transparency regarding specific program activities and outcomes.
Strengths
The following positive indicators were identified for Retail Wholesale & Department Store Union:
- Consistent revenue generation over several years, indicating stable support.
- Positive net assets in most years, showing financial stability.
- Low fundraising costs, suggesting efficient donor acquisition or member retention.
Frequently Asked Questions about Retail Wholesale & Department Store Union
Is Retail Wholesale & Department Store Union a legitimate charity?
Based on AI analysis of IRS 990 filings, Retail Wholesale & Department Store Union (EIN: 221345822) some concerns. Mission Score: 65/100. 3 red flags identified, 3 strengths noted.
How does Retail Wholesale & Department Store Union spend its money?
Retail Wholesale & Department Store Union directs 60% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Retail Wholesale & Department Store Union tax-deductible?
Retail Wholesale & Department Store Union is registered as a tax-exempt nonprofit (EIN: 221345822). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Retail Wholesale & Department Store Union's spending goes to programs?
Retail Wholesale & Department Store Union directs 60% to programs, 10% to fundraising. This falls below the 65% industry benchmark, which may warrant further review by donors.
Where is Retail Wholesale & Department Store Union located?
Retail Wholesale & Department Store Union is headquartered in Kenilworth, New Jersey and files with the IRS under EIN 221345822.
How many years of IRS 990 filings does Retail Wholesale & Department Store Union have?
Retail Wholesale & Department Store Union has 7 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 $701K in total revenue.
What does Retail Wholesale & Department Store Union do?
Retail Wholesale & Department Store Union is a nonprofit organization in the Unknown sector, located in Kenilworth, New Jersey. It is classified under NTEE code Unknown.
How much revenue does Retail Wholesale & Department Store Union have?
Retail Wholesale & Department Store Union reported total revenue of $700,985. Based on 7 IRS 990 filings on record.
What are Retail Wholesale & Department Store Union's total assets?
Retail Wholesale & Department Store Union holds total assets of $16,896 as reported in IRS 990 filings.
Where is Retail Wholesale & Department Store Union located?
Retail Wholesale & Department Store Union is based in Kenilworth, New Jersey.
What is Retail Wholesale & Department Store Union's EIN?
Retail Wholesale & Department Store Union's Employer Identification Number (EIN) is 221345822. This is the unique tax ID assigned by the IRS for tax-exempt organizations.
What type of nonprofit is Retail Wholesale & Department Store Union?
Retail Wholesale & Department Store Union is classified under NTEE code Unknown (Unknown).
Is Retail Wholesale & Department Store Union a registered 501(c)(3)?
Retail Wholesale & Department Store Union appears in IRS records (EIN: 221345822). Check the IRS Tax Exempt Organization Search for the most current determination letter status.
Does Retail Wholesale & Department Store Union file IRS Form 990?
Yes, Retail Wholesale & Department Store Union has 7 IRS Form 990 filings on record. The most recent covers tax period 202312.
What was Retail Wholesale & Department Store Union's revenue in 2023?
In the 202312 filing period, Retail Wholesale & Department Store Union reported total revenue of $650,445, total expenses of $618,241, and net assets of $32,209.
Is Retail Wholesale & Department Store Union's revenue growing or declining?
Retail Wholesale & Department Store Union's revenue is growing. Revenue went from $537,694 (202012) to $650,445 (202312), a +21.0% change. Based on 7 filings on record.
What is Retail Wholesale & Department Store Union's most recent 990 filing?
The most recent IRS Form 990 filing for Retail Wholesale & Department Store Union covers tax period 202312. It shows revenue of $650,445, expenses of $618,241, total assets of $32,209, and liabilities of $100,068.
How much does Retail Wholesale & Department Store Union spend on programs vs administration?
Based on IRS 990 analysis, Retail Wholesale & Department Store Union allocates approximately 60% of expenses to program services, 30% to administrative costs, and 10% to fundraising. Program spending is moderate relative to overhead.
Is Retail Wholesale & Department Store Union a trustworthy charity?
Based on AI analysis of IRS 990 data, Retail Wholesale & Department Store Union shows mixed signals. Mission Score: 65/100 (Good). 3 red flags identified. 3 strengths noted.
What are the red flags for Retail Wholesale & Department Store Union?
The following concerns were identified: High administrative expenses relative to total expenditures, suggesting potential inefficiencies.. Lack of detailed program spending breakdown makes it difficult to assess impact.. Limited public transparency regarding specific program activities and outcomes.. These flags are based on automated analysis of IRS 990 public filings and should be verified independently.
What are Retail Wholesale & Department Store Union's strengths?
Positive indicators for Retail Wholesale & Department Store Union include: Consistent revenue generation over several years, indicating stable support.. Positive net assets in most years, showing financial stability.. Low fundraising costs, suggesting efficient donor acquisition or member retention.. These findings are derived from AI analysis of the organization's financial filings.
How does Retail Wholesale & Department Store Union compensate executives?
Executive compensation is not explicitly detailed in the provided data, making a direct assessment of specific dollar amounts impossible without further filings. Executive compensation data is sourced from IRS 990 filings, which require disclosure of officer, director, and key employee pay.
How transparent is Retail Wholesale & Department Store Union?
- Financial filings are consistently available, but detailed program breakdowns are not readily apparent. - The organization's website lacks a dedicated transparency or financial reporting section. - Specific details on how funds are allocated to 'programs' are not clearly itemized in public documents. Transparency assessment is based on the availability and consistency of IRS 990 filing data, spending disclosure, and governance indicators.
Given the consistent revenue and high administrative costs, what specific strategies are in place to optimize operational efficiency and reallocate funds towards direct program services?
Without more detailed operational reports, it's challenging to identify specific strategies. However, the consistent administrative spending suggests a fixed overhead structure that may not be scaling efficiently with revenue, or that a significant portion of 'administrative' costs are integral to core union operations that are not classified as 'programs' in the provided data.
How does the organization define and categorize 'programs' versus 'administrative' expenses, and what impact does this classification have on the perceived efficiency of its mission delivery?
The provided data does not offer a granular definition of 'programs' versus 'administrative' expenses. If a substantial portion of member services or advocacy efforts are categorized under 'administrative,' it could artificially inflate administrative percentages and misrepresent the true allocation towards mission-related activities. Clarification on these definitions is crucial for an accurate assessment.
Filing History
IRS 990 filing history for Retail Wholesale & Department Store Union showing financial trends over 7 years of public records:
Over 7 years of IRS 990 filings (2013–2023), Retail Wholesale & Department Store Union's revenue has grown by 32.6%, moving from $491K to $650K. Total assets decreased by 0.4% over the same period, from $32K to $32K. Total functional expenses rose by 33.1%, from $464K to $618K. In its most recent filing year (2023), Retail Wholesale & Department Store Union reported a surplus of $32K, with revenue exceeding expenses. The organization holds $100K in liabilities against $32K in assets (debt-to-asset ratio: 310.7%), resulting in net assets of $-67,859.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $650K | $618K | $32K | $100K | — | — |
| 2020 | $538K | $535K | $110K | $49K | — | View 990 |
| 2019 | $518K | $468K | $108K | $49K | — | — |
| 2018 | $499K | $493K | $58K | $49K | — | View 990 |
| 2017 | $503K | $490K | $52K | $49K | — | View 990 |
| 2014 | $457K | $465K | $15K | $8K | — | View 990 |
| 2013 | $491K | $464K | $32K | $19K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $650K, expenses of $618K, and assets of $32K (revenue +21.0% year-over-year).
- 2020: Revenue of $538K, expenses of $535K, and assets of $110K (revenue +3.8% year-over-year).
- 2019: Revenue of $518K, expenses of $468K, and assets of $108K (revenue +3.9% year-over-year).
- 2018: Revenue of $499K, expenses of $493K, and assets of $58K (revenue -0.8% year-over-year).
- 2017: Revenue of $503K, expenses of $490K, and assets of $52K (revenue +10.0% year-over-year).
- 2014: Revenue of $457K, expenses of $465K, and assets of $15K (revenue -6.8% year-over-year).
- 2013: Revenue of $491K, expenses of $464K, and assets of $32K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Retail Wholesale & Department Store Union:
Data Sources and Methodology
This transparency report for Retail Wholesale & Department Store Union 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.