PENNSYLVANIA FINANCIAL SERVICES ASSOCIATION INC

EIN: 230954825

WELLSBORO, PA

Total Revenue
$46,048
Total Expenses
$53,755
Total Assets
$61,647
Net Assets
$30,547
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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
1974
Legal Domicile
PA
Principal Officer
WILLIAM S CARSON
Phone
5707241800
Tax Period
2018-01-01 to 2018-12-31

PENNSYLVANIA FINANCIAL SERVICES ASSOCIATION INC, founded in 1974, is a micro nonprofit that reported $46K in total revenue in fiscal year 2018. Revenue decreased 15% compared to the prior year. Expenses of $54K exceeded revenue, resulting in a 17% operating deficit.

Mission

PROTECT AND IMPROVE THE CONSUMER FINANCE AND MORTGAGE LENDING BUSINESS.

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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%)

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Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $44,800
Investment Income $1,248
Other Revenue $0
TOTAL REVENUE $46,048

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Other Expenses $53,755
TOTAL EXPENSES $53,755

Year-over-Year Comparison

2018 2017 Change
Revenue $46,048 $54,358 -0.2%
Expenses $53,755 $40,261 +0.3%
Net Income $-7,707 $14,097 -1.5%
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

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Governance

Voting Members
19
Independent Members
19
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
2
$0
Total Directors
19
$47,250
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
WILLIAM S CARSON PRESIDENT 2.00
Officer Director
$0 $0 $0
RANDALL D REED SEC. / TREAS 2.00
Officer Director
$0 $0 $0
GEORGE HAY BOARD MEMBER N/A
Director
$0 $0 $0
DENIS W PAYNE BOARD MEMBER N/A
Director
$0 $0 $0
NICHOLAS AGEE BOARD MEMBER N/A
Director
$0 $0 $0
JOHN MARVIN BOARD MEMBER N/A
Director
$0 $0 $0
PETER KRAJSA BOARD MEMBER N/A
Director
$0 $0 $0
JEFFREY CRAMER BOARD MEMBER N/A
Director
$0 $0 $0
MARK WARSHAL BOARD MEMBER N/A
Director
$0 $0 $0
JOSEPH STROUSE BOARD MEMBER N/A
Director
$0 $0 $0
SUZANNE REARICK BOARD MEMBER N/A
Director
$0 $0 $0
KEN KINION BOARD MEMBER N/A
Director
$0 $0 $0
FRANK GOSS BOARD MEMBER N/A
Director
$0 $0 $0
JEFFERY E GATTER BOARD MEMBER N/A
Director
$0 $0 $0
SAMUEL MANNINO BOARD MEMBER N/A
Director
$0 $0 $0
JEFF CHEPKEVICH BOARD MEMBER N/A
Director
$0 $0 $0
STEVEN HAAS BOARD MEMBER N/A
Director
$0 $0 $0
DAVID WICHROWSKI BOARD MEMBER N/A
Director
$0 $0 $0
EDWARD EVELAND BOARD MEMBER 10.00
Director
$47,250 $0 $47,250
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
2018 $46,048 $53,755 $61,647 $-7,707
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