POCONO HEALTH SYSTEM MEDICAL PROFESSIONAL LIABILITY SELF-INS TRUST (EIN 206560453) - 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

2003

Legal Domicile

Principal Officer

ROBERT THOMAS

Phone

4842241876

Tax Period

2023-08-01 to 2024-07-31

POCONO HEALTH SYSTEM MEDICAL PROFESSIONAL LIABILITY SELF-INS TRUST, founded in 2003, is a micro nonprofit in the Mutual Benefit sector that reported $46K in total revenue in fiscal year 2023. The organization ran a surplus of $195K, a strong 422% operating margin.

Mission

HOLDING OF FUNDS FOR SELF-INSURANCE PROGRAM FOR GENERAL AND PROFESSIONAL LIABILITY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $46,304

Other Revenue $0

TOTAL REVENUE $46,304

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,679

Fundraising Expenses $0

Program Expenses $-159,664

Other Expenses $-159,664

TOTAL EXPENSES $-148,985

Year-over-Year Comparison

	2023	2022	Change
Revenue	$46,304	$-111,965	-1.4%
Expenses	$-148,985	$189,655	-1.8%
Net Income	$195,289	$-301,620	-1.6%

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

N/A

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

$731,760

Total Directors

$731,760

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TRUSTEE	1.00		$10,679	$0	$10,679
CORNELIO R CATENA	PRESIDENT	1.00	Officer Director	$0	$16,860	$731,760

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	$46,304	$-148,985	$3,126,778	$195,289
2023	$-111,965	$189,655	$2,598,753	$-301,620
2022	$603,969	$78,921	$4,744,482	$525,048
2021	$263,331	$317,841	$5,697,994	$-54,510
2020	$1,383,154	$1,745,266	$6,285,362	$-362,112
2019	$831,910	$465,658	$5,712,025	$366,252
2018	$924,686	$404,954	$7,021,384	$519,732

POCONO HEALTH SYSTEM MEDICAL PROFESSIONAL LIABILITY SELF-INS TRUST