Civic Intelligence

AFL-CIO Mutual Benefit Fund

EIN 13-4237843 • 501(c)5 • Washington, DC

Profile

To provide hardship grants, interest free mortgage loans and insurance coverage to members of unions and organizations affiliated with the afl-cio.

1100 First Street NE 850Washington, DC 20002

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

45th percentile

0.02x

Higher debt load relative to assets than 45% of similar nonprofits.

501(c)5 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

79th percentile

0.42x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)5 • $25M-$50M nonprofits • Source year 2024

Net Margin

1st percentile

-46%

Higher net margin than 1% of similar nonprofits.

501(c)5 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

5th percentile

$0

Higher top officer pay than 5% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)5 • $25M-$50M nonprofits • Source year 2024

Asset Growth

32nd percentile

3.6%

Faster asset growth than 32% of similar nonprofits.

501(c)5 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

14th percentile

-3.2%

Faster revenue growth than 14% of similar nonprofits.

501(c)5 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$44,152,595

Up $1,534,819 (+3.6%) from 2023

Liabilities

Down

$759,168

Down $73,699 (-8.8%) from 2023

Net Assets

Up

$43,393,427

Up $1,608,518 (+3.8%) from 2023

Operations
Liabilities / Revenue79th percentileNet Margin1st percentile

Revenue

Down

$1,826,351

Down $60,057 (-3.2%) from 2023

Expenses

Up

$2,672,963

Up $243,776 (+10%) from 2023

Net Income

Down

-$846,612

Down $303,833 (-56%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth32nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $11,190,785Liabilities 2010: $66,912Net Assets 2010: $11,123,8732010Assets 2011: $15,507,178Liabilities 2011: $286,216Net Assets 2011: $15,220,9622011Assets 2012: $21,727,265Liabilities 2012: $133,502Net Assets 2012: $21,593,7632012Assets 2013: $26,180,509Liabilities 2013: $435,494Net Assets 2013: $25,745,0152013Assets 2014: $28,536,313Liabilities 2014: $332,979Net Assets 2014: $28,203,3342014Assets 2015: $29,633,216Liabilities 2015: $320,188Net Assets 2015: $29,313,0282015Assets 2016: $32,436,654Liabilities 2016: $498,427Net Assets 2016: $31,938,2272016Assets 2017: $35,857,738Liabilities 2017: $329,948Net Assets 2017: $35,527,7902017Assets 2018: $35,009,828Liabilities 2018: $325,452Net Assets 2018: $34,684,3762018Assets 2019: $40,172,977Liabilities 2019: $330,445Net Assets 2019: $39,842,5322019Assets 2020: $43,720,434Liabilities 2020: $439,836Net Assets 2020: $43,280,5982020Assets 2021: $47,285,320Liabilities 2021: $170,258Net Assets 2021: $47,115,0622021Assets 2022: $39,500,557Liabilities 2022: $371,367Net Assets 2022: $39,129,1902022Assets 2023: $42,617,776Liabilities 2023: $832,867Net Assets 2023: $41,784,9092023Assets 2024: $44,152,595Liabilities 2024: $759,168Net Assets 2024: $43,393,4272024

Highlighted filing

2024

Assets$44,152,595
Liabilities$759,168
Net Assets$43,393,427
Open 2024 Filing

Operations Trend

Revenue Growth14th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,766,5782010Expenses 2011: $1,348,3502011Expenses 2012: $1,333,3882012Revenue 2013: $4,220,810Expenses 2013: $1,151,520Net Income 2013: $3,069,2902013Revenue 2014: $3,054,693Expenses 2014: $1,370,928Net Income 2014: $1,683,7652014Revenue 2015: $3,204,879Expenses 2015: $1,374,700Net Income 2015: $1,830,1792015Revenue 2016: $3,547,341Expenses 2016: $1,994,391Net Income 2016: $1,552,9502016Revenue 2017: $2,745,495Expenses 2017: $1,488,076Net Income 2017: $1,257,4192017Revenue 2018: $3,569,275Expenses 2018: $1,009,727Net Income 2018: $2,559,5482018Revenue 2019: $1,580,055Expenses 2019: $1,233,654Net Income 2019: $346,4012019Revenue 2020: $3,776,169Expenses 2020: $1,635,309Net Income 2020: $2,140,8602020Revenue 2021: $3,307,506Expenses 2021: $1,615,610Net Income 2021: $1,691,8962021Revenue 2022: $2,587,438Expenses 2022: $1,577,957Net Income 2022: $1,009,4812022Revenue 2023: $1,886,408Expenses 2023: $2,429,187Net Income 2023: -$542,7792023Revenue 2024: $1,826,351Expenses 2024: $2,672,963Net Income 2024: -$846,6122024

Highlighted filing

2024

Revenue$1,826,351
Expenses$2,672,963
Net Income-$846,612
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$44,152,595
Liabilities
$759,168
Net assets
$43,393,427
Revenue
$1,826,351
Expenses
$2,672,963
Net income
-$846,612
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.2$0.76$43.4$1.83$2.67$0.85
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$42.6$0.83$41.8$1.89$2.43$0.54
2022Detailed filing. Detailed filing data is available for this year.$39.5$0.37$39.1$2.59$1.58$1.01
2021Detailed filing. Detailed filing data is available for this year.$47.3$0.17$47.1$3.31$1.62$1.69
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.7$0.44$43.3$3.78$1.64$2.14
2019Detailed filing. Detailed filing data is available for this year.$40.2$0.33$39.8$1.58$1.23$0.35
2018Detailed filing. Detailed filing data is available for this year.$35.0$0.33$34.7$3.57$1.01$2.56
2017Detailed filing. Detailed filing data is available for this year.$35.9$0.33$35.5$2.75$1.49$1.26
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.4$0.50$31.9$3.55$1.99$1.55
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.6$0.32$29.3$3.20$1.37$1.83
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.5$0.33$28.2$3.05$1.37$1.68
2013Detailed filing. Detailed filing data is available for this year.$26.2$0.44$25.7$4.22$1.15$3.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.7$0.13$21.6$1.33
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.5$0.29$15.2$1.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$0.07$11.1$1.77
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 4, 2025
Return Version
2024v5.2
Gross Receipts
$14,989,662
Mission and Program Overview

Mission

To provide hardship grants, interest free mortgage loans and insurance coverage to members of unions and organizations affiliated with the afl-cio.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$37,435,398$40,255,492▲ $2,820,094
Savings and Temporary Cash Investments$3,399,535$2,366,778▼ $1,032,757
Cash and Non-Interest-Bearing Accounts$917,958$828,898▼ $89,060
Other Notes and Loans Receivable, Net$769,280$616,957▼ $152,323
Accounts Receivable$95,605$84,470▼ $11,135
Total Assets$42,617,776$44,152,595▲ $1,534,819
Liabilities
Other Liabilities$803,867$719,168▼ $84,699
Accounts Payable and Accrued Expenses$29,000$40,000▲ $11,000
Total Liabilities$832,867$759,168▼ $73,699
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$41,784,909$43,393,427▲ $1,608,518
Total Net Assets Fund Balance$41,784,909$43,393,427▲ $1,608,518
Total Liabilities and Net Assets / Fund Balance$42,617,776$44,152,595▲ $1,534,819

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$40,255,492--
Compensation and Service Providers
Top Officer Pay5th percentile

Board Members and Trustees

NameTitle
Gregory HambletTrustee
Joseph SellersTrustee
Kevin StringerTrustee
Lorretta JohnsonTrustee
Paul WhiteheadTrustee
Steven FantauzzoTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$180,800
Investment Income
$1,584,127
Other Revenue
$61,424
Change in Net Assets
$-846,612

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,680,209
Revenue Not Reported on Financial Statements
$146,142
Revenue Not Reported on Form 990
$2,669,130
Total Revenue per Audited Statements
$4,349,339
Total Revenue per Form 990
$1,826,351
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$1,942,560
Other Expenses$730,403
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals---$1,942,560
Fees for Services Management---$251,392
Fees for Service Investment Mgmnt Fees---$146,142
Advertising---$63,585
Insurance---$52,237
Other Expenses---$51,584
Fees for Services Accounting---$50,000
Fees for Services Legal---$18,709
Office Expenses---$8,507
Total Functional Expenses$0$0$0$2,672,963

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$2,740,821
Total Expenses per Form 990$2,672,963
Expenses per Audited Statements$2,526,821
Expenses Not Reported on Form 990$214,000
Expenses Not Reported on Financial Statements$146,142
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Union Privilege$719,168
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 8B

“The trust has never established or appointed committees.”

Form 990, Part VI, Section B, Line 11B

“Prior to filing with the irs, a copy of the form 990 is provided to all trustees and general counsel for the fund. Questions regarding the form 990, if any, are addressed and resolved by all interested parties prior to the final approval by the signing trustee.”

Form 990, Part VI, Section B, Line 12C

“The plan is maintained and administered in accordance with erisa sections 404 and 406 and the plan's "conflict of interest" policy is described in those sections. Since fiduciaries are required to disclose conflicts of interest and recuse themselves from decisions involving conflicts, the trustees therefore monitor and enforce the fund's compliance with erisa with the assistance of the fund's professionals and third party administrator.”

Form 990, Part VI, Section C, Line 19

“The plan makes available for inspection by the public upon request at the third party plan administrator's office: the governing documents and financial statements of the plan.”

Filing and Contact Details

Filer

Filer Name
Afl-cio Mutual Benefit Fund
EIN
13-4237843
Phone
2027789815
Address
1100 FIRST STREET NE 850, WASHINGTON, DC 20002

Signing Officer

Name
Paul Whitehead
Title
Trustee
Phone
2027789815
Signed
2025-09-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul Whitehead
Formed
2001
Legal Domicile
Dc
Voting Board Members
6
Independent Board Members
6
Employees
0
Volunteers
0

Preparer

Firm
Calibre CPA Group Pllc
Address
7501 WISCONSIN AVENUE SUITE 1200, WEST, BETHESDA, MD 20814
Preparer
Erin Cranmer
Phone
2023319880
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The plan follows the authoritative guidance relating to accounting for uncertainty in income taxes included in accounting standards codification (asc) topic income taxes. These provisions provide consistent guidance for the accounting of uncertainty in income taxes recognized in an entity's financial statements and prescribe a threshold of "more likely than not" for recognition and derecognition of tax positions taken or expected to be taken in the tax return. The plan performed an evaluation of uncertain tax positions for the years ended december 31, 2024 and 2023, and determined that there were no matters that would require recognition in the financial statements or that may have an effect on its tax exempt status. The plan is designed and operated in a manner so as to be treated as a mutual benefit labor organization exempt from federal income tax under section 501(c)(5) of the internal revenue code (irc). The plan has been amended and the internal revenue service (irs) has determined and informed the plan administrator by a letter dated september 3, 2012 of the plan's tax-exempt status. The plan is no longer subject to federal and state tax examinations by either tax authority for years before the year ended december 31, 2021.”

Raw XML Appendix355 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt029000
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt040000
IRS990/AccountsReceivableGrp/BOYAmt095605
IRS990/AccountsReceivableGrp/EOYAmt084470
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HARDSHIP GRANTS, INTEREST FREE MORTGAGE LOANS AND INSURANCE COVERAGE TO MEMBERS OF UNIONS AND ORGANIZATIONS AFFILIATED WITH THE AFL-CIO.
IRS990/AdvertisingGrp/TotalAmt063585
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0STEPHEN GOLDSMITH
IRS990/BooksInCareOfDetail/PhoneNum02027789815
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01100 FIRST STREET NE 850
IRS990/BooksInCareOfDetail/USAddress/CityNm0WASHINGTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0DC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd020002
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt0917958
IRS990/CashNonInterestBearingGrp/EOYAmt0828898
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt01942560
IRS990/CYInvestmentIncomeAmt01584127
IRS990/CYOtherExpensesAmt0730403
IRS990/CYOtherRevenueAmt061424
IRS990/CYProgramServiceRevenueAmt0180800
IRS990/CYRevenuesLessExpensesAmt0-846612
IRS990/CYSalariesCompEmpBnftPaidAmt00
IRS990/CYTotalExpensesAmt02672963
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01826351
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0PROVIDED GROUP AND OTHER INSURANCE BENEFITS; PROVIDED INTEREST FREE MORTGAGE LOAN ASSISTANCE TO ELIGIBLE PARTICIPANTS; PROVIDED HARDSHIP ASSISTANCE TO ELIGIBLE PARTICIPANTS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt050000
IRS990/FeesForServicesLegalGrp/TotalAmt018709
IRS990/FeesForServicesManagementGrp/TotalAmt0251392
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt0146142
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0LORRETTA JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm1PAUL WHITEHEAD
IRS990/Form990PartVIISectionAGrp/PersonNm2GREGORY HAMBLET
IRS990/Form990PartVIISectionAGrp/PersonNm3KEVIN STRINGER
IRS990/Form990PartVIISectionAGrp/PersonNm4STEVEN FANTAUZZO
IRS990/Form990PartVIISectionAGrp/PersonNm5JOSEPH SELLERS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5TRUSTEE
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02001
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0281985
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt01942560
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt013445296
IRS990/GrossReceiptsAmt014989662
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt052237
IRS990/InvestmentIncomeGrp/ExclusionAmt01302142
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01302142
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt037435398
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt040255492
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0DC
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt013163311
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HARDSHIP GRANTS, INTEREST FREE MORTGAGE LOANS AND INSURANCE COVERAGE TO MEMBERS OF UNIONS AND ORGANIZATIONS AFFILIATED WITH THE AFL-CIO.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt041784909
IRS990/NetAssetsOrFundBalancesEOYAmt043393427
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0281985
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0281985
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt02455130
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt041784909
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt043393427
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt08507
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0MORTGAGE ASSISTANCE BEN
IRS990/OtherExpensesGrp/Desc1PROMOTIONAL EXPENSES
IRS990/OtherExpensesGrp/TotalAmt088247
IRS990/OtherExpensesGrp/TotalAmt151584
IRS990/OtherLiabilitiesGrp/BOYAmt0803867
IRS990/OtherLiabilitiesGrp/EOYAmt0719168
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0INTEREST AMORTIZATION - MAP
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt061424
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt061424
IRS990/OtherRevenueTotalAmt061424
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0769280
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0616957
IRS990/PartialLiquidationInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0PAUL WHITEHEAD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM FEES
IRS990/ProgramServiceRevenueGrp/Desc1HARDSHIP ASSISTANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0135800
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt145000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0135800
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt145000
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt01719934
IRS990/PYInvestmentIncomeAmt01609828
IRS990/PYOtherExpensesAmt0709253
IRS990/PYOtherRevenueAmt052480
IRS990/PYProgramServiceRevenueAmt0224100
IRS990/PYRevenuesLessExpensesAmt0-542779
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt02429187
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01886408
IRS990/ReconcilationRevenueExpnssAmt0-846612
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03399535
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02366778
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt0214000
IRS990ScheduleD/DonatedServicesUseFcltsAmt0214000
IRS990ScheduleD/ExpensesNotReportedAmt0214000
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0146142
IRS990ScheduleD/ExpensesSubtotalAmt02526821
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt0146142
IRS990ScheduleD/InvestmentExpensesNotIncldAmt0146142
IRS990ScheduleD/NetUnrealizedGainsInvstAmt02455130
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0719168
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DUE TO UNION PRIVILEGE
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt040255492
IRS990ScheduleD/OtherSecuritiesGrp/Desc0REGISTERED INVESTMENT COMPANIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/RevenueNotReportedAmt02669130
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0146142
IRS990ScheduleD/RevenueSubtotalAmt01680209
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE PLAN FOLLOWS THE AUTHORITATIVE GUIDANCE RELATING TO ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES INCLUDED IN ACCOUNTING STANDARDS CODIFICATION (ASC) TOPIC INCOME TAXES. THESE PROVISIONS PROVIDE CONSISTENT GUIDANCE FOR THE ACCOUNTING OF UNCERTAINTY IN INCOME TAXES RECOGNIZED IN AN ENTITY'S FINANCIAL STATEMENTS AND PRESCRIBE A THRESHOLD OF "MORE LIKELY THAN NOT" FOR RECOGNITION AND DERECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE TAX RETURN. THE PLAN PERFORMED AN EVALUATION OF UNCERTAIN TAX POSITIONS FOR THE YEARS ENDED DECEMBER 31, 2024 AND 2023, AND DETERMINED THAT THERE WERE NO MATTERS THAT WOULD REQUIRE RECOGNITION IN THE FINANCIAL STATEMENTS OR THAT MAY HAVE AN EFFECT ON ITS TAX EXEMPT STATUS. THE PLAN IS DESIGNED AND OPERATED IN A MANNER SO AS TO BE TREATED AS A MUTUAL BENEFIT LABOR ORGANIZATION EXEMPT FROM FEDERAL INCOME TAX UNDER SECTION 501(C)(5) OF THE INTERNAL REVENUE CODE (IRC). THE PLAN HAS BEEN AMENDED AND THE INTERNAL REVENUE SERVICE (IRS) HAS DETERMINED AND INFORMED THE PLAN ADMINISTRATOR BY A LETTER DATED SEPTEMBER 3, 2012 OF THE PLAN'S TAX-EXEMPT STATUS. THE PLAN IS NO LONGER SUBJECT TO FEDERAL AND STATE TAX EXAMINATIONS BY EITHER TAX AUTHORITY FOR YEARS BEFORE THE YEAR ENDED DECEMBER 31, 2021.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueSecuritiesAmt040255492
IRS990ScheduleD/TotalExpensesPerForm990Amt02672963
IRS990ScheduleD/TotalLiabilityAmt0719168
IRS990ScheduleD/TotalRevenuePerForm990Amt01826351
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04349339
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02740821
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt011000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt126000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt2196500
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt3345292
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt423927
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt51097400
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt6143000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt782800
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt816641
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0VETERANS GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1UTILITY GRANT
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt2DISASTER RELIEF GRANT
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt3STRIKE BENEFITS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt4MORTGAGE ASSISTANCE GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt5DISABILITY GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt6JOB LOSS GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt7HOSPITALIZATION GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt8MORTGAGE ASSISTANCE DEATH BENEFIT
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt011
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt126
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt24
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt3362
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt424
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt5508
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt6286
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt769
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt83
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE STRIKE BENEFIT PROVIDES FOR CASH ASSISTANCE TO QUALIFIED UNION MEMBERS ON STRIKE TO PAY THE PRINCIPAL AND INTEREST OF UP TO THREE MONTHS WORTH OF MORTGAGE PAYMENTS TO CHASE HOME FINANCE AND WELLS FARGO HOME MORTGAGE. THE MEMBER IS IN NO WAY OBLIGATED TO PAY BACK THIS BENEFIT, AS IT IS CONSIDERED A GIFT. THE MORTGAGE ASSISTANCE DEATH BENEFITS PROVIDES FOR FORGIVENESS OF DEBT RELATED TO THE UNPAID MORTGAGE ASSISTANCE LOAN BALANCE FOR A MEMBER DUE TO DEATH OF THE MEMBER WHO RECEIVED THE INITIAL BENEFIT. THE MORTGAGE ASSISTANCE GRANT PROVIDES FOR THE FORGIVENESS OF DEBT UP TO THE FIRST $1,000 RELATED TO NEWLY QUALIFIED AND ESTABLISHED MORTGAGE ASSISTANCE LOANS. THE DISABILITY GRANT PROVIDES FOR A PAYMENT DIRECTLY TO THE MEMBER RANGING FROM $1,600-$2,700 DEPENDING ON THE AMOUNT OF INCOME LOSS DUE TO A DISABILITY. THE JOB LOSS GRANT PROVIDES FOR A $500 PAYMENT TO QUALIFIED UNION MEMBERS FOR SUBSTANTIATED INVOLUNTARY JOB LOSS. THE HOSPITALIZATION GRANT PROVIDES $1,200 TO A QUALIFIED APPLICANT TO ASSIST IN PAYING FOR LARGE OUT OF POCKET HOSPITALIZATION EXPENSES. THE VETERANS GRANT PROVIDES $1,000 TO QUALIFIED UNION MEMBERS THAT ARE U.S. SERVICE VETERANS, FOR THE PURCHASE OF THEIR PRIMARY RESIDENCE THROUGH THE UNION PLUS MORTGAGE PROGRAM. THE UTILITY GRANT PROVIDES $1,000 TO USERS OF THE MORTGAGE ASSISTANCE PROGRAM TO HELP PAY UTILITY BILLS IN ORDER TO EASE THE BURDEN OF UNION FAMILIES FACING HARDSHIP DUE TO STRIKE, LOCKOUT, DISABILITY OR UNEMPLOYMENT. THE DISASTER RELIEF GRANT PROVIDES FOR A $500 PAYMENT TO QUALIFIED UNION MEMBERS WHO SUSTAINED A LOSS FROM A NATURAL DISASTER.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART III, COLUMN B
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE TRUST HAS NEVER ESTABLISHED OR APPOINTED COMMITTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PRIOR TO FILING WITH THE IRS, A COPY OF THE FORM 990 IS PROVIDED TO ALL TRUSTEES AND GENERAL COUNSEL FOR THE FUND. QUESTIONS REGARDING THE FORM 990, IF ANY, ARE ADDRESSED AND RESOLVED BY ALL INTERESTED PARTIES PRIOR TO THE FINAL APPROVAL BY THE SIGNING TRUSTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE PLAN IS MAINTAINED AND ADMINISTERED IN ACCORDANCE WITH ERISA SECTIONS 404 AND 406 AND THE PLAN'S "CONFLICT OF INTEREST" POLICY IS DESCRIBED IN THOSE SECTIONS. SINCE FIDUCIARIES ARE REQUIRED TO DISCLOSE CONFLICTS OF INTEREST AND RECUSE THEMSELVES FROM DECISIONS INVOLVING CONFLICTS, THE TRUSTEES THEREFORE MONITOR AND ENFORCE THE FUND'S COMPLIANCE WITH ERISA WITH THE ASSISTANCE OF THE FUND'S PROFESSIONALS AND THIRD PARTY ADMINISTRATOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PLAN MAKES AVAILABLE FOR INSPECTION BY THE PUBLIC UPON REQUEST AT THE THIRD PARTY PLAN ADMINISTRATOR'S OFFICE: THE GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS OF THE PLAN.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt042617776
IRS990/TotalAssetsEOYAmt044152595
IRS990/TotalAssetsGrp/BOYAmt042617776
IRS990/TotalAssetsGrp/EOYAmt044152595
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02672963
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0832867
IRS990/TotalLiabilitiesEOYAmt0759168
IRS990/TotalLiabilitiesGrp/BOYAmt0832867
IRS990/TotalLiabilitiesGrp/EOYAmt0759168
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt041784909
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt043393427
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0180800
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt01584127
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0242224
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01826351
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt042617776
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt044152595
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01100 FIRST STREET NE 850
IRS990/USAddress/CityNm0WASHINGTON
IRS990/USAddress/StateAbbreviationCd0DC
IRS990/USAddress/ZIPCd020002
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PAUL WHITEHEAD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum02027789815
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AFL-CIO MUTUAL BENEFIT FUND
ReturnHeader/Filer/BusinessNameControlTxt0AFL-
ReturnHeader/Filer/EIN0134237843
ReturnHeader/Filer/PhoneNum02027789815
ReturnHeader/Filer/USAddress/AddressLine1Txt01100 FIRST STREET NE 850
ReturnHeader/Filer/USAddress/CityNm0WASHINGTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0DC
ReturnHeader/Filer/USAddress/ZIPCd020002
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0470900880
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CALIBRE CPA GROUP PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07501 WISCONSIN AVENUE SUITE 1200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine2Txt0WEST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BETHESDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd020814
ReturnHeader/PreparerPersonGrp/PhoneNum02023319880
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ERIN CRANMER
ReturnHeader/ReturnTs02025-09-04T13:54:13-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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