OHIO VALLEY HOSPITAL PROFESSIONAL LIABILITY SELF INSURANCE (EIN 251619844) - 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

1989

Legal Domicile

Principal Officer

NORMAN F MITRY

Phone

4127416600

Tax Period

2022-07-01 to 2023-06-30

OHIO VALLEY HOSPITAL PROFESSIONAL LIABILITY SELF INSURANCE, founded in 1989, is a small nonprofit in the Mutual Benefit sector that reported $173K in total revenue in fiscal year 2022. Revenue surged 36% from the prior year, signaling strong growth momentum. Expenses of $268K exceeded revenue, resulting in a 55% operating deficit.

Mission

PROVIDES MALPRACTICE INSURANCE TO VALLEY MEDICAL FACILITIES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $135,000

Program Service Revenue $0

Investment Income $38,190

Other Revenue $0

TOTAL REVENUE $173,190

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $55,000

Other Expenses $267,747

TOTAL EXPENSES $267,747

Year-over-Year Comparison

	2022	2021	Change
Revenue	$173,190	$127,190	+0.4%
Expenses	$267,747	$385,947	-0.3%
Net Income	$-94,557	$-258,757	-0.6%

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

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

$1,355,192

Total Directors

$2,078,749

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NORMAN F MITRY	PRESIDENT & CEO	1.00	Officer Director	$0	$42,768	$803,422
SCOTT M ELSTE	CHAIR	2.00	Officer Director	$0	$0	$0
SUSAN PAONE DHA	VICE-CHAIR	2.00	Officer Director	$0	$0	$0
BOB TERWILLIGER	SECRETARY	2.00	Officer Director	$0	$0	$0
ELISA DITOMMASO CPA	TREASURER	2.00	Officer Director	$0	$0	$0
LYNN GEORGE PHD	EMERITUS BOARD CHAIR	2.00	Director	$0	$0	$0
FRED CLERICI	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL MALKOWSKI MD	DIRECTOR/PHYSICIAN	2.00	Director	$0	$35,861	$607,334
KEVIN FLANNERY	DIRECTOR	2.00	Director	$0	$0	$0
THOMAS LEYDIG	DIRECTOR	2.00	Director	$0	$0	$0
JEFFREY HEIN MD	DIRECTOR/PHYSICIAN	2.00	Director	$0	$35,723	$667,993
ROGER DAVIS EDD	DIRECTOR	2.00	Director	$0	$0	$0
CHARLES KELLY ESQ	DIRECTOR	2.00	Director	$0	$0	$0
RICHARD BOWERS MD	DIRECTOR	2.00	Director	$0	$0	$0
KAREN JEROME-ZAPADKA MD	DIRECTOR	2.00	Director	$0	$0	$0
MARK BRENNAN	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL DICLEMENTE	DIRECTOR	2.00	Director	$0	$0	$0
DIANA KOZLINA-PERETIC DNP	DIRECTOR	2.00	Director	$0	$0	$0
SRIDHAR TAYUR PHD	DIRECTOR	2.00	Director	$0	$0	$0
SHARON LOFTUS ESQ	ASST. SECRETARY	2.00	Officer	$0	$34,869	$316,900
GARRETT RICHARDSON	ASSOCIATE VP, FINANCE	2.00	Officer	$0	$12,580	$234,870
ROBERT ROSENBERGER	FORMER CFO	0.00		$0	$6,329	$508,369

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	$173,190	$267,747	$2,037,722	$-94,557
2022	$127,190	$385,947	$2,125,818	$-258,757
2021	$144,406	$114,437	$2,434,237	$29,969
2020	$52,631	$446,362	$2,441,879	$-393,731
2019	$929,017	$283,750	$2,818,041	$645,267
2018	$28,835	$5,946	$2,142,929	$22,889

OHIO VALLEY HOSPITAL PROFESSIONAL LIABILITY SELF INSURANCE