PNC BANK BENEFIT TRUST

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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

Principal Officer

CARRIE CARSON

Phone

4128076258

Tax Period

2025-01-01 to 2025-12-31

PNC BANK BENEFIT TRUST, founded in 1984, is a mid-sized nonprofit that reported $12.8M in total revenue in fiscal year 2025. Revenue decreased 19% compared to the prior year. Expenses of $14.5M exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROVIDE FUNDING FOR A GROUP BENEFIT LONG TERM DISABILITY PLAN FOR EMPLOYEES OF PNC FINANCIAL SERVICES GROUP, INC. & AFFILIATES.

Program Service Accomplishments

Program 1

THE ORGANIZATION PROVIDES FUNDING FOR A GROUP BENEFIT LONG TERM DISABILITY PLAN FOR EMPLOYEES OF PNC FINANCIAL SERVICES GROUP, INC. & AFFILIATES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $12,688,016

Investment Income $136,383

Other Revenue $3,078

TOTAL REVENUE $12,827,477

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,078

Fundraising Expenses $0

Other Expenses $2,229,524

TOTAL EXPENSES $14,503,026

Year-over-Year Comparison

	2025	2024	Change
Revenue	$12,827,477	$15,932,436	-0.2%
Expenses	$14,503,026	$15,611,262	-0.1%
Net Income	$-1,675,549	$321,174	-6.2%

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

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
N/A	INSTITUTIONAL TRUSTEE	1.00		$3,078	$0	$3,078

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	$12,827,477	$14,503,026	No data	$-1,675,549
2024	$15,932,436	$15,611,262	$1,675,549	$321,174
2023	$15,081,197	$15,217,344	$1,354,375	$-136,147
2022	$15,246,768	$15,099,187	$1,490,522	$147,581
2021	$13,651,369	$14,013,984	$1,342,941	$-362,615
2020	$13,286,838	$12,412,122	$1,705,556	$874,716
2019	$12,213,059	$12,509,777	$830,840	$-296,718
2018	$12,610,949	$12,435,902	$1,127,558	$175,047