PENNSYLVANIA BANKERS ASSOCIATION (EIN 230954926) - 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

Legal Domicile

Principal Officer

J DUNCAN CAMPBELL III

Phone

7172556900

Tax Period

2024-07-01 to 2025-06-30

PENNSYLVANIA BANKERS ASSOCIATION is a community nonprofit that reported $5.8M in total revenue in fiscal year 2024. Expenses of $5.3M left a modest 8% surplus.

Mission

THE PENNSYLVANIA BANKERS ASSOCIATION CONTINUES TO BE THE LEADING FINANCIAL SERVICES TRADE ASSOCIATION, DEDICATED TO STRENGTHENING AND PROVIDING VALUE TO INSTITUTIONS OF ALL SIZES THROUGH EXCEPTIONAL ADVOCACY, EDUCATION, LEADERSHIP AND MEMBER RELATIONS.

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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 $4,730,830

Investment Income $181,526

Other Revenue $848,627

TOTAL REVENUE $5,760,983

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,743,260

Fundraising Expenses $0

Other Expenses $2,562,434

TOTAL EXPENSES $5,305,694

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,760,983	$5,491,964	+0.0%
Expenses	$5,305,694	$5,066,009	+0.0%
Net Income	$455,289	$425,955	+0.1%

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

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

$499,688

Total Directors

Key Employees

$745,371

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RANDALL E BLACK	DIRECTOR	1.00	Director	$0	$0	$0
PETER BOCHNOVICH	DIRECTOR	1.00	Director	$0	$0	$0
ERIC BOUGHNER	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER T CATTIE	DIRECTOR	1.00	Director	$0	$0	$0
GERARD A CHAMPI	DIRECTOR	1.00	Director	$0	$0	$0
JON P CONKLIN CPA	DIRECTOR	1.00	Director	$0	$0	$0
JAMES O DONNELLY	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN B DUTTON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN M HAYES	DIRECTOR	1.00	Director	$0	$0	$0
CRAIG C HOWIE	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM J KUZO	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD LAWS	DIRECTOR	1.00	Director	$0	$0	$0
LORI A MALEY CPA	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH A MANGES	DIRECTOR	1.00	Director	$0	$0	$0
MARK J MCDONALD	DIRECTOR	1.00	Director	$0	$0	$0
PATTI L MCLAUGHLIN	DIRECTOR	1.00	Director	$0	$0	$0
KERRI L MUELLER	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH K O'NEILL JR	DIRECTOR	1.00	Director	$0	$0	$0
CLEM C ROSENBERGER III	DIRECTOR	1.00	Director	$0	$0	$0
ANGIE M SARGENT	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL J SCHAFFER	DIRECTOR	1.00	Director	$0	$0	$0
JEFFREY M SCHWEITZER	DIRECTOR	1.00	Director	$0	$0	$0
EUGENE J WALSH	DIRECTOR	1.00	Director	$0	$0	$0
TRACY E WATKINS SPHR	DIRECTOR	1.00	Director	$0	$0	$0
J DUNCAN CAMPBELL III	PRESIDENT/CE	40.00	Officer	$457,650	$42,038	$499,688
LOUISE A RYND	GENERAL COUN	40.00	Key Emp	$241,454	$13,323	$254,777
CYNTHIA L WALLETT	SERVICES COR	40.00	Key Emp	$225,059	$23,888	$248,947
MICHELLE L STATON	COO	40.00	Key Emp	$209,387	$32,260	$241,647
JACQUELINE A CATALANO	VP PROFESSIO	40.00	Highest	$126,219	$19,457	$145,676
WAYNE R WHIPPLE	VP BUSINESS	40.00	Highest	$118,067	$28,105	$146,172

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	$5,760,983	$5,305,694	$6,384,787	$455,289
2024	$5,491,964	$5,066,009	$5,696,403	$425,955
2023	$5,360,226	$5,287,215	$5,417,778	$73,011
2022	$5,734,321	$5,367,127	$5,090,487	$367,194
2021	$3,702,484	$4,415,122	$5,215,550	$-712,638
2020	$4,358,717	$4,642,240	$5,108,975	$-283,523
2019	$5,395,227	$4,933,797	$5,438,105	$461,430

PENNSYLVANIA BANKERS ASSOCIATION