VALLEY TELECOMMUNICATIONS COOP ASSOC INC VEBA TRUST C/O FIRST NATIONAL BANK (EIN 208631051) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2007

Legal Domicile

Principal Officer

AMY DEYONGE

Phone

6054372615

Tax Period

2025-01-01 to 2025-12-31

VALLEY TELECOMMUNICATIONS COOP ASSOC INC VEBA TRUST C/O FIRST NATIONAL BANK, founded in 2007, is a small nonprofit in the Mutual Benefit sector that reported $113K in total revenue in fiscal year 2018. Revenue surged 112% from the prior year, signaling strong growth momentum. The organization ran a surplus of $56K, a strong 49% operating margin.

Mission

A TRUST TO FUND MEDICAL EXPENSE FOR SUCH COVERED PERSONS WHO ELECT TO PARTICIPATE IN THE PLAN.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $134,985

Other Revenue $0

TOTAL REVENUE $134,985

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $72,813

TOTAL EXPENSES $152,649

Year-over-Year Comparison

	2025	2024	Change
Revenue	$134,985	$104,812	+0.3%
Expenses	$152,649	$157,740	0.0%
Net Income	$-17,664	$-52,928	-0.7%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TRUSTEE	0.01		$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
2025	$134,985	$152,649	$1,235,323	$-17,664
2024	$104,812	$157,740	$1,252,987	$-52,928
2023	$83,467	$12,248	$1,305,915	$71,219
2022	$56,182	$141,962	$1,234,696	$-85,780
2021	$145,187	$179,275	$1,320,476	$-34,088
2020	$99,130	$22,121	$1,354,564	$77,009
2019	$52,350	$9,073	$1,277,555	$43,277
2018	$113,051	$57,105	$1,234,278	$55,946

VALLEY TELECOMMUNICATIONS COOP ASSOC INC VEBA TRUST C/O FIRST NATIONAL BANK