KEYSTONE CONTRACTORS ASSOCIATION (EIN 230370265) - 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

1938

Legal Domicile

Principal Officer

JON O'BRIEN

Phone

7178842801

Tax Period

2025-01-01 to 2025-12-31

KEYSTONE CONTRACTORS ASSOCIATION, founded in 1938, is a small nonprofit that reported $760K in total revenue in fiscal year 2025. Expenses of $652K left a modest 14% surplus.

Mission

TO PROVIDE SAFETY EDUCATION AND BENEFITS TO MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $597,039

Investment Income $104,748

Other Revenue $58,712

TOTAL REVENUE $760,499

Expense Breakdown

Grants Paid $0

Salaries & Benefits $388,425

Fundraising Expenses $0

Other Expenses $263,238

TOTAL EXPENSES $651,663

Year-over-Year Comparison

	2025	2024	Change
Revenue	$760,499	$719,948	+0.1%
Expenses	$651,663	$607,219	+0.1%
Net Income	$108,836	$112,729	0.0%

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

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

$300,178

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JON O'BRIEN	EXECUTIVE DI	40.00	Officer	$261,615	$38,563	$300,178
JOSEPH ORR III	PRESIDENT	1.00	Officer	$0	$0	$0
DAVID MIORELLI	VICE PRESIDE	1.00	Officer	$0	$0	$0
GREGORY QUANDEL	TREASURER/BO	1.00	Officer Director	$0	$0	$0
DAVID JONES	SECRETARY	1.00	Officer	$0	$0	$0
HOWARD BERNSTEIN	IMMEDIATE PA	1.00	Officer	$0	$0	$0
MARK A ANSKIS	BOARD MEMBER	1.00	Director	$0	$0	$0
WILLIAM BRIGHTBILL	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES DARR	BOARD MEMBER	1.00	Director	$0	$0	$0
TAD HOFFMASTER	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERT LEAHEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES NOVINGER	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN PANZITTA	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
MIKE PASQUERILLA	BOARD MEMBER	1.00	Director	$0	$0	$0
NOBLE QUANDEL JR	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFFREY SMITH	BOARD MEMBER	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
2025	$760,499	$651,663	$3,096,237	$108,836
2024	$719,948	$607,219	$2,663,509	$112,729
2023	$682,409	$563,868	$2,406,193	$118,541
2022	$605,448	$455,598	$2,157,626	$149,850
2021	$633,204	$444,101	$2,338,185	$189,103
2020	$714,840	$375,557	$2,037,262	$339,283
2019	$557,766	$416,726	$1,743,342	$141,040
2018	$629,606	$392,307	$1,392,974	$237,299

KEYSTONE CONTRACTORS ASSOCIATION