GRANITE STATE TELEPHONE EMPLOYEE BENEFITS TRUST (EIN 020444484) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1991

Legal Domicile

Principal Officer

Susan Rand King

Phone

6035296286

Tax Period

2024-01-01 to 2024-12-31

GRANITE STATE TELEPHONE EMPLOYEE BENEFITS TRUST, founded in 1991, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum.

Mission

TO PROVIDE MEDICAL BENEFITS TO ELIGIBLE EMPLOYEES OF THE GRANITE STATE TELEPHONE EMPLOYEES HEALTH PLAN.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,121,539

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,121,539

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $38,529

TOTAL EXPENSES $1,121,539

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,121,539	$919,826	+0.2%
Expenses	$1,121,539	$919,826	+0.2%
Net Income	$0	$0	N/A

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN RAND KING	TRUSTEE	2.00	Director	$0	$0	$0
CHRISTIAN RAND	TRUSTEE	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$1,121,539	$1,121,539	$5,000	No data
2023	$919,826	$919,826	$5,000	No data
2022	$859,999	$859,999	$5,000	No data
2021	$1,018,394	$1,018,394	$5,000	No data
2020	$568,985	$568,985	$5,000	No data
2019	$875,109	$875,109	$5,000	No data

GRANITE STATE TELEPHONE EMPLOYEE BENEFITS TRUST