PENNSYLVANIA GUERNSEY BREEDERS ASSOCIATION (EIN 230958790) - 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

1945

Legal Domicile

Principal Officer

JOHN MCMURRAY

Phone

7249239611

Tax Period

2024-11-01 to 2025-10-31

PENNSYLVANIA GUERNSEY BREEDERS ASSOCIATION, founded in 1945, is a micro nonprofit in the Food, Agriculture & Nutrition sector that reported $76K in total revenue in fiscal year 2024. Expenses of $68K left a modest 11% surplus.

Mission

IMPROVEMENT OF THE GUERNSEY DAIRY CATTLE BREED THROUGH RECORD KEEPING OF BLOOD LINES, PRODUCTION RECORDS AND SPECIAL SALE OF BREEDING STOCK. PROMOTION OF THE BREED THROUGH PROFESSIONAL PUBLICATIONS AND LITERATURE FOR CONSUMERS.

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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 $9,105

Program Service Revenue $25,009

Investment Income $25,071

Other Revenue $17,000

TOTAL REVENUE $76,185

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $49,028

Other Expenses $67,994

TOTAL EXPENSES $67,994

Year-over-Year Comparison

	2024	2023	Change
Revenue	$76,185	$77,512	0.0%
Expenses	$67,994	$82,725	-0.2%
Net Income	$8,191	$-5,213	-2.6%

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
CHRIS REICHARD	PRESIDENT	2.00	Officer Director	$0	$0	$0
HOLLY MCCARTY	DIRECTOR	2.00	Director	$0	$0	$0
CINDY JOHNSON	SECRETARY	2.00	Officer Director	$0	$0	$0
JOHN MCMURRAY	TREASURER	2.00	Officer Director	$0	$0	$0
TROY HILL	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
DAVE HENISSE	DIRECTOR	2.00	Director	$0	$0	$0
DEBBIE LIGGETT	DIRECTOR	2.00	Director	$0	$0	$0
CATHERINE BLAUSER	DIRECTOR	2.00	Director	$0	$0	$0
ERIC POOLE	DIRECTOR	2.00	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	$76,185	$67,994	$946,507	$8,191

PENNSYLVANIA GUERNSEY BREEDERS ASSOCIATION