Roofers 195 Health & Accident Fund

Roofers 195 Health & Accident Fund shows consistent revenue growth and asset accumulation with no reported officer compensation.

EIN: 166148181 · Liverpool, NY · Updated: 2026-03-28

$4.4MRevenue

$2.7MAssets

85/100Mission Score (Excellent)

Is Roofers 195 Health & Accident Fund Legit?

Some Concerns

GoodFiling Consistency

ExcellentSpending Efficiency

GoodTransparency

2 FoundRed Flags

Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →

Roofers 195 Health & Accident Fund directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.

About Roofers 195 Health & Accident Fund

Roofers 195 Health & Accident Fund (EIN: 166148181) is a nonprofit organization based in Liverpool, NY. The organization reported total revenue of $4.4M and total assets of $2.7M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Roofers 195 Health & Accident Fund's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.

AI Transparency Report

Roofers 195 Health & Accident Fund appears to be a stable organization, consistently generating revenue to cover its expenses, as evidenced by its latest revenue of $4,378,797 and expenses of $2,789,368 in 2023. The organization's assets have shown growth over the past few years, increasing from $1,171,344 in 2021 to $2,068,744 in 2023, indicating a healthy financial position. However, the liabilities in 2023 were $3,972, which is a significant increase from previous years, though still relatively low compared to assets.

The organization's spending efficiency is difficult to fully assess without a detailed breakdown of program, administrative, and fundraising expenses. However, the consistent surplus of revenue over expenses in most recent years suggests sound financial management. The absence of reported officer compensation across all filings indicates a potential for high program spending, assuming the majority of expenses are directed towards its core mission. Transparency is generally good due to consistent IRS 990 filings, but the lack of NTEE code and detailed expense categories limits a deeper analysis of its operational focus.

Overall, Roofers 195 Health & Accident Fund demonstrates financial stability and growth in assets. The consistent filing of IRS 990s provides a good level of transparency regarding its overall financial performance. Further detail on expense allocation would enhance the understanding of its spending efficiency and program impact.

Mission Effectiveness Score

NonprofitSpending's AI analysis rates Roofers 195 Health & Accident Fund 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: 8%
programs: 90%
fundraising: 2%

According to IRS 990 filings, Roofers 195 Health & Accident Fund allocates its expenses as follows: admin: 8%, programs: 90%, fundraising: 2%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.

Executive Compensation Analysis

The organization consistently reports 0% officer compensation across all available filings, suggesting that executive leadership is either unpaid or compensated through other means not categorized as officer compensation, which could indicate a strong commitment to directing funds towards the organization's mission.

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 Roofers 195 Health & Accident Fund's IRS 990 filings:

NTEE code is unknown, limiting understanding of specific mission and comparative analysis.
Lack of detailed expense breakdown (program, admin, fundraising) in provided data prevents a precise efficiency assessment.

Strengths

The following positive indicators were identified for Roofers 195 Health & Accident Fund:

Consistent revenue growth over the past decade, from $2.1M in 2014 to $4.3M currently.
Healthy asset growth, increasing from $1.3M in 2014 to $2.6M currently.
No reported officer compensation across all filings, suggesting efficient use of funds.
Revenue consistently exceeds expenses in most recent years, indicating financial stability (e.g., 2023 revenue $3.5M vs. expenses $2.7M).

Frequently Asked Questions about Roofers 195 Health & Accident Fund

Is Roofers 195 Health & Accident Fund a legitimate charity?

Based on AI analysis of IRS 990 filings, Roofers 195 Health & Accident Fund (EIN: 166148181) some concerns. Mission Score: 85/100. 2 red flags identified, 4 strengths noted.

How does Roofers 195 Health & Accident Fund spend its money?

Roofers 195 Health & Accident Fund directs 90% of its spending to programs and services. The remaining budget covers administration and fundraising costs.

Are donations to Roofers 195 Health & Accident Fund tax-deductible?

Roofers 195 Health & Accident Fund is registered as a tax-exempt nonprofit (EIN: 166148181). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.

Is Roofers 195 Health & Accident Fund a good charity?

Based on the available financial data, the organization demonstrates strong financial health with consistent revenue exceeding expenses in most years and growing assets. The absence of reported officer compensation is a positive indicator. However, without a detailed breakdown of program vs. administrative expenses, a definitive assessment of its charitable effectiveness is challenging.

What is the primary purpose of Roofers 195 Health & Accident Fund?

Given its name, 'Health & Accident Fund,' and the nature of a 'Roofers' organization, it is highly probable that its primary purpose is to provide health and accident benefits or support to roofers. However, the NTEE code is unknown, which limits a precise understanding of its specific mission.

How has the organization's financial health changed over time?

The organization has shown consistent revenue growth from $2,128,442 in 2014 to $4,378,797 (latest revenue). Assets have also generally increased, from $1,320,422 in 2014 to $2,660,855 (latest assets), indicating a positive trend in financial health and stability.

Filing History

IRS 990 filing history for Roofers 195 Health & Accident Fund showing financial trends over 13 years of public records:

Over 13 years of IRS 990 filings (2011–2023), Roofers 195 Health & Accident Fund's revenue has grown by 131.2%, moving from $1.5M to $3.5M. Total assets increased by 70.7% over the same period, from $1.2M to $2.1M. Total functional expenses rose by 101.3%, from $1.4M to $2.8M. In its most recent filing year (2023), Roofers 195 Health & Accident Fund reported a surplus of $712K, with revenue exceeding expenses. The organization holds $4K in liabilities against $2.1M in assets (debt-to-asset ratio: 0.2%), resulting in net assets of $2.1M.

Year	Revenue	Expenses	Assets	Liabilities	Officer Comp.	PDF
2023	$3.5M	$2.8M	$2.1M	$4K	—	View 990
2022	$3.2M	$2.9M	$1.4M	$24K	—	View 990
2021	$2.9M	$3.6M	$1.2M	$63K	—	View 990
2020	$3.1M	$2.8M	$1.9M	$5K	—	—
2019	$2.9M	$2.7M	$1.5M	$14K	—	View 990
2018	$2.6M	$2.6M	$1.2M	$16K	—	View 990
2017	$2.5M	$2.7M	$1.3M	$9K	—	View 990
2016	$2.6M	$2.7M	$1.5M	$26K	—	View 990
2015	$2.3M	$2.1M	$1.5M	$6K	—	View 990
2014	$2.1M	$2.2M	$1.3M	$15K	—	View 990
2013	$1.8M	$1.9M	$1.5M	$33K	—	View 990
2012	$1.8M	$1.6M	$1.4M	$9K	—	View 990
2011	$1.5M	$1.4M	$1.2M	$23K	—	View 990

Year-by-Year Financial Summary

2023: Revenue of $3.5M, expenses of $2.8M, and assets of $2.1M (revenue +10.7% year-over-year).
2022: Revenue of $3.2M, expenses of $2.9M, and assets of $1.4M (revenue +9.4% year-over-year).
2021: Revenue of $2.9M, expenses of $3.6M, and assets of $1.2M (revenue -6.9% year-over-year).
2020: Revenue of $3.1M, expenses of $2.8M, and assets of $1.9M (revenue +7.0% year-over-year).
2019: Revenue of $2.9M, expenses of $2.7M, and assets of $1.5M (revenue +11.8% year-over-year).
2018: Revenue of $2.6M, expenses of $2.6M, and assets of $1.2M (revenue +3.8% year-over-year).
2017: Revenue of $2.5M, expenses of $2.7M, and assets of $1.3M (revenue -3.0% year-over-year).
2016: Revenue of $2.6M, expenses of $2.7M, and assets of $1.5M (revenue +11.6% year-over-year).
2015: Revenue of $2.3M, expenses of $2.1M, and assets of $1.5M (revenue +8.5% year-over-year).
2014: Revenue of $2.1M, expenses of $2.2M, and assets of $1.3M (revenue +18.6% year-over-year).
2013: Revenue of $1.8M, expenses of $1.9M, and assets of $1.5M (revenue -0.1% year-over-year).
2012: Revenue of $1.8M, expenses of $1.6M, and assets of $1.4M (revenue +18.7% year-over-year).
2011: Revenue of $1.5M, expenses of $1.4M, and assets of $1.2M.

Data Sources and Methodology

This transparency report for Roofers 195 Health & Accident Fund 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.