Insulators Local Union #89 - Jatc Accoun Union Education Fund
Nonprofit profile at a glance
- EIN
- 208249202
- IRS 990-EZ coverage
- 2012–2025
- Forms available
- Form 990 2024, Form 990-EZ 2025
- Location
- Trenton, NJ, USA
- Phone
- 6092266643
- Rating
- 34
- Verdict
- REVIEW
- Rating confidence
- Moderate
- Sector
- Vocational, Technical Schools
Reported finances
- Revenue
- $195,293
- Expenses
- $213,178
- Assets
- $151,175
- Liabilities
- $0
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
6 people listed
People named in this filing
- CHESTER GESEMYER (TRUSTEE)
- ANDY OSINCHAK (TRUSTEE)
- FRED DAVIES (TRUSTEE)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide education and training for insulators local union #89 apprentices.
What it reported doing in 2025
The insulators local union 89 education fund provides education and training for participants. This education and training enables each participant to learn the skills required in the industry.
Operating model
- Revenue model
- Earned-program. 93% of the money available for current operations came from fees and other program revenue.
- Distribution model
- No current program activity. The filing reports no program spending for the current year.
The verdict
REVIEW - The filed numbers largely add up and revenue has grown recently. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.
Rating breakdown
- Financial Efficiency: 0
- Transparency & Controls: 73
- Sustainability: 37
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 0%; rating input score 0
- Program expense ratio: 0%; rating input score 0
Transparency & Controls
- Consistency checks: 88.9%; rating input score 89; 1st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: -9.2%; rating input score 14; 14th percentile among comparable filings
- Total-asset coverage ratio: 0.71; rating input score 48; 48th percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 74; 74th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 5.1% per year; rating input score 100; 45th percentile among comparable filings
- Asset growth: 14.6% per year; rating input score 100; 70th percentile among comparable filings
Details
- Where the money goes: 0% of revenue deployed · 0% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment
- Leadership: top reported pay $0 · 6 people listed
- Consistency: 8 of 8 current checks pass
- Schedules: 2 filed schedules
- Filing history: 12 filing years from 2012 to 2025
- Contacts: How to reach this organization
- Related organizations: 1 filed related-organization link
- 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.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Mission deployment rate scored 0/100.
- High — Financial Efficiency: Program expense ratio scored 0/100.
- High — Sustainability: Operating margin scored 14/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 48/100.