PA FINANCIAL RESPONSIBILITY ASSIGNED CLAIMS PLAN (EIN 232315555) - 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

1984

Legal Domicile

Phone

2156659878

Tax Period

2024-10-01 to 2025-09-30

PA FINANCIAL RESPONSIBILITY ASSIGNED CLAIMS PLAN, founded in 1984, is a community nonprofit that reported $5.1M in total revenue in fiscal year 2024.

Mission

TO PROVIDE BENEFITS TO VICTIMS INJURED IN MOTOR VEHICLE ACCIDENTS IN THE COMMONWEALTH OF PA IF SUCH BENEFITS ARE NOT OTHERWISE AVAILABLE AND THE VICTIM CAN MEET REQUIREMENTS.

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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 $5,005,566

Program Service Revenue $0

Investment Income $135,739

Other Revenue $0

TOTAL REVENUE $5,141,305

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,069,013

Fundraising Expenses $0

Program Expenses $4,520,771

Other Expenses $3,205,963

TOTAL EXPENSES $5,274,976

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,141,305	$5,192,138	0.0%
Expenses	$5,274,976	$5,364,072	0.0%
Net Income	$-133,671	$-171,934	-0.2%

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

Total Directors

Key Employees

$183,924

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES R CARVER	ADMINISTRATOR	40.00	Key Emp	$183,924	$0	$183,924
RENEE MOSS COLEMAN	CLAIMS MANAGER	40.00	Highest	$131,257	$0	$131,257
KIMBERLY A HORSEMAN	ASSISTANT ADMINISTRATOR	40.00	Highest	$117,563	$0	$117,563
DIANE A DICHTER	IN-HOUSE COUNSEL	40.00	Highest	$160,546	$0	$160,546
TRISTIN A FABRO	IN-HOUSE COUNSEL	40.00	Highest	$128,535	$0	$128,535
BOARD OF DIRECTORS	QUARTERLY MEETINGS	0.00	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	$5,141,305	$5,274,976	$4,332,514	$-133,671
2024	$5,192,138	$5,364,072	$4,451,180	$-171,934
2023	$6,116,453	$5,830,157	$4,601,643	$286,296
2022	$4,528,596	$5,840,557	$4,318,758	$-1,311,961
2021	$4,566,849	$4,708,571	$5,686,663	$-141,722
2020	$7,045,644	$5,521,615	$5,821,795	$1,524,029
2019	$6,053,535	$6,399,306	$4,320,029	$-345,771
2018	$6,255,593	$7,271,903	$4,702,579	$-1,016,310

PA FINANCIAL RESPONSIBILITY ASSIGNED CLAIMS PLAN