Apw-aba
Legal name: American Postal Workers Accident Benefit Association
Nonprofit profile at a glance
- EIN
- 020181885
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Washington, DC, US
- Phone
- 1-800-526-2890
- Rating confidence
- Limited
Reported finances
- Revenue
- $1,727,104
- Expenses
- $1,504,068
- Assets
- $2,327,178
- Liabilities
- $462,662
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
13 people listed
Executive titles in this filing
- KEITH RICHARDSON (VICE PRESIDENT/REGION DIRE)
- RICHARD PHILLIPS (PRESIDENT)
Highest reported compensation
- WAYNE MAURER (NATIONAL DIRECTOR): $142,677 total reported compensation
- SCOTT PARKIN (REGION DIRECTOR): $5,151 total reported compensation
- RICHARD PHILLIPS (PRESIDENT): $3,579 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide accidental daily disability, dismemberment and death benefits to APWU members and their spouses.
What it reported doing in 2025
To provide life and accident insurance to eligible members and spouses
Operating model
- Revenue model
- Earned-program. 96% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 90
- Accountability: 100
- Sustainability: 53
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 12.9%; rating input score 62; 62nd percentile among comparable filings
- Total-asset coverage ratio: 1.55; rating input score 56; 56th percentile among comparable filings
- Liabilities to assets ratio: 0.2; rating input score 25; 25th percentile among comparable filings
- Officer compensation ratio: 10.9%; rating input score 35; 35th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 0.1% per year; rating input score 100; 12th percentile among comparable filings
- Asset growth: 1.1% per year; rating input score 100; 19th percentile among comparable filings
Details
- What they do: 1 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 12 of 12 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $143K · 13 people listed
- Consistency: 12 of 12 current checks pass
- Schedules: 3 filed schedules
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 13 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Sustainability: Total-asset coverage ratio scored 56/100.
- High — Sustainability: Liabilities to assets ratio scored 25/100.
- Moderate — Sustainability: Officer compensation ratio scored 35/100.