PENNSYLVANIA BUS ASSOCIATION

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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

1923

Legal Domicile

Principal Officer

PATRICIA COWLEY

Phone

7172369042

Tax Period

2024-10-01 to 2025-09-30

PENNSYLVANIA BUS ASSOCIATION, founded in 1923, is a small nonprofit that reported $361K in total revenue in fiscal year 2024. The organization ran a surplus of $81K, a strong 22% operating margin.

Mission

THE PENNSYLVANIA BUS ASSOCIATION (PBA) INCORPORATED IN 1923 AS A NONPROFIT ORGANIZATION DEDICATED TO REPRESENTING THE BUSINESS AND GOVERNMENTAL INTERESTS OF PRIVATE BUS COMPANIES OPERATING IN PENNSYLVANIA.

Program Service Accomplishments

Program 1

THE ASSOCIATION PROVIDES MEMBERS WITH EDUCATIONAL OPPORTUNITIES THROUGH AN ANNUAL CONVENTION AND PERIODIC WORKSHOPS GEARED TOWARDS CURRENT AND UPCOMING TOPICS IMPACTING THE BUSING INDUSTRY IN PA AND...

Program 2

THE ASSOCIATION INFORMS MEMBERS OF LEGISLATIVE AND REGULATORY ISSUES REPRESENTING THE BUSING INDUSTRY BEFORE THE LOCAL, STATE, AND FEDERAL GOVERNMENT TO SUPPORT LEGISLATIVE EFFORTS.

Program 3

THE ASSOCIATION COLLECTS MEMBERSHIPS DUES IN ORDER TO PROVIDE MEMBERS WITH NETWORKING AND PROFESSIONAL DEVELOPMENT OPPORTUNITIES IN THEIR LOCAL AREA.

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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 $3,801

Program Service Revenue $314,028

Investment Income $28,247

Other Revenue $15,121

TOTAL REVENUE $361,197

Expense Breakdown

Grants Paid $3,980

Salaries & Benefits $93,748

Fundraising Expenses $0

Other Expenses $182,924

TOTAL EXPENSES $280,652

Year-over-Year Comparison

	2024	2023	Change
Revenue	$361,197	$378,656	0.0%
Expenses	$280,652	$242,081	+0.2%
Net Income	$80,545	$136,575	-0.4%

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

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

$93,748

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DOUGLAS RYBOM	VICE CHAIR	1.00	Director	$0	$0	$0
SANDY BOROWSKY	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
JAMES JEBRAN	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
DAVID BENEDICT	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
JONATHAN BERZAS	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
AMY BROOKS	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
MARIA FRANK	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
TODD CAMPBELL	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
NELSON FLOYD	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
JONATHAN ROBBINS	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
DALE MCMICHAEL	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
BILL SCULLY	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
ALISON SHERMAN	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
AMANDA THIBEAU	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
MARGO DEROUCHIE	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
PATRICIA COWLEY	EXECUTIVE DIRECTOR	40.00	Officer	$93,748	$0	$93,748
TAMMY WOLF-BAKER	CHAIR	1.00	Officer	$0	$0	$0
ROBERT CHEPALONIS	SECRETARY	1.00	Officer	$0	$0	$0
BRIAN KURTZ	TREASURY	1.00	Officer	$0	$0	$0
JOHN BAILEY	IMMEDIATE PAST CHAIR	1.00	Officer	$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	$361,197	$280,652	$800,852	$80,545
2024	$378,656	$242,081	$762,673	$136,575
2023	$306,176	$230,703	$642,050	$75,473
2022	$319,670	$257,783	$645,630	$61,887
2021	$14,760	$148,122	$624,387	$-133,362
2020	$132,089	$159,855	$641,854	$-27,766
2019	$382,101	$282,803	$651,644	$99,298
2018	$431,031	$342,955	$564,714	$88,076