NORTHAMPTON COUNTY WORKERS COMPENSATION TRUST (EIN 232407908) - 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

1986

Legal Domicile

Principal Officer

LAMONT G MCCLURE

Phone

6108296142

Tax Period

2023-01-01 to 2023-12-31

NORTHAMPTON COUNTY WORKERS COMPENSATION TRUST, founded in 1986, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Revenue surged 34% from the prior year, signaling strong growth momentum. Expenses of $2.5M exceeded revenue, resulting in a 70% operating deficit.

Mission

PROVIDE DIRECT SELF-FUNDED WORKERS' COMPENSATION INSURANCE AS SPECIFIED BY APPLICABLE STATUTES, COURT, OR ADMINISTRATIVE DECISIONS FOR THE EMPLOYEES OF THE COUNTY OF NORTHAMPTON, PA.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,303,651

Investment Income $140,751

Other Revenue $3,018

TOTAL REVENUE $1,447,420

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,994,265

Other Expenses $464,226

TOTAL EXPENSES $2,458,491

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,447,420	$1,079,047	+0.3%
Expenses	$2,458,491	$2,346,441	+0.0%
Net Income	$-1,011,071	$-1,267,394	-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

N/A

Independent Members

N/A

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
NA	NA	0	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$1,447,420	$2,458,491	$3,218,479	$-1,011,071
2022	$1,079,047	$2,346,441	$3,579,023	$-1,267,394
2021	$957,970	$1,825,538	$4,739,025	$-867,568
2020	$1,335,132	$1,393,886	$5,764,344	$-58,754

NORTHAMPTON COUNTY WORKERS COMPENSATION TRUST