PENNSYLVANIA ASSOCIATION OF COMMUNITY BANKERS (EIN 251672295) - 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

1992

Legal Domicile

Principal Officer

KEVIN L SHIVERS

Phone

7172317447

Tax Period

2023-01-01 to 2023-12-31

PENNSYLVANIA ASSOCIATION OF COMMUNITY BANKERS, founded in 1992, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023.

Mission

TO ASSIST ITS MEMBERS IN SERVING THEIR SHAREHOLDERS, ACCOUNT HOLDERS, CUSTOMERS AND EMPLOYEES COMPETENTLY AND PROFESSIONALLY; TO PROVIDE ITS MEMBERS THE MEANS TO REMAIN VIABLE PROGRESSIVE FINANCIAL INSTITUTIONS; TO REPRESENT THE MEMBERSHIP BY PROMOTING A UNIFIFED PHILOSOPHY AND THROUGH EMPHASIZING LEGISLATIVE AND REGULATORY LOBBYING, EDUCATION, MEMBERSHIP COMMUNICATION AND COOPERATIVE AND PROMOTIONAL SERVICES WHICH ARE ORIENTED TOWARD COMMUNITY BANKING.

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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 $1,194,078

Investment Income $39,333

Other Revenue $126,104

TOTAL REVENUE $1,359,515

Expense Breakdown

Grants Paid $0

Salaries & Benefits $614,523

Fundraising Expenses $0

Other Expenses $758,181

TOTAL EXPENSES $1,372,704

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,359,515	$1,270,417	+0.1%
Expenses	$1,372,704	$1,337,828	+0.0%
Net Income	$-13,189	$-67,411	-0.8%

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

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

$201,802

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIMOTHY SNYDER	IMMEDIATE PAST CHAIR	5.00	Officer Director	$0	$0	$0
SCOTT PATTON	BOARD CHAIRPERSON	5.00	Officer Director	$0	$0	$0
CHARLES CRAWFORD	CHAIRPERSON ELECT	5.00	Officer Director	$0	$0	$0
KELLY MONTEFIORI	VICE CHAIRPERSON	5.00	Officer Director	$0	$0	$0
CHARLES TRUMP	SECRETARY AND TREASURER	2.00	Officer Director	$0	$0	$0
FRANK BUONOMO	BOARD DIRECTOR	2.00	Director	$0	$0	$0
SCOTT FRITZ	BOARD DIRECTOR	2.00	Director	$0	$0	$0
JOAN DICKISON	BOARD DIRECTOR	2.00	Director	$0	$0	$0
LINDA ROEHNER	BOARD DIRECTOR	2.00	Director	$0	$0	$0
P DOUGLAS DARLINGTON	BOARD DIRECTOR	2.00	Director	$0	$0	$0
LOUIS VUCKOVICH	BOARD DIRECTOR	2.00	Director	$0	$0	$0
TERRY MCEWEN	BOARD DIRECTOR	2.00	Director	$0	$0	$0
JOSH MOONEY	BOARD DIRECTOR	2.00	Director	$0	$0	$0
DAN MOON	BOARD DIRECTOR	2.00	Director	$0	$0	$0
CRAIG ZERN	BOARD DIRECTOR	2.00	Director	$0	$0	$0
DOUG BYERS	BOARD DIRECTOR	2.00	Director	$0	$0	$0
SCOTT COX	BOARD DIRECTOR	2.00	Director	$0	$0	$0
KEVIN SCHMIDT	BOARD DIRECTOR	2.00	Director	$0	$0	$0
EDWARD MARTEL JR	BOARD DIRECTOR	2.00	Director	$0	$0	$0
LANCE DIEHL	BOARD DIRECTOR	2.00	Director	$0	$0	$0
JEFFREY ROCHE	BOARD DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM MARSH	BOARD DIRECTOR	2.00	Director	$0	$0	$0
CHAD CAROL	BOARD DIRECTOR	2.00	Director	$0	$0	$0
COLLEEN LAITY	BOARD DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM MATTERN	BOARD DIRECTOR	2.00	Director	$0	$0	$0
JOHN MONTGOMERY	BOARD DIRECTOR	2.00	Director	$0	$0	$0
ROBERT SCHULTZ	BOARD DIRECTOR	2.00	Director	$0	$0	$0
TROY CAMPBELL	BOARD DIRECTOR	2.00	Director	$0	$0	$0
KEVIN SHIVERS	PRESIDENT AND CEO	37.50	Officer	$183,430	$18,372	$201,802

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
2024	No data	No data	No data	No data
2023	$1,359,515	$1,372,704	$1,370,622	$-13,189
2022	$1,270,417	$1,337,828	$1,357,473	$-67,411
2021	$1,515,208	$1,258,060	$1,289,159	$257,148
2020	$789,836	$867,822	$968,702	$-77,986
2019	$1,394,931	$1,391,396	$937,926	$3,535
2018	$1,335,885	$1,422,342	$963,336	$-86,457

PENNSYLVANIA ASSOCIATION OF COMMUNITY BANKERS