TUSCARORA INTERMEDIATE UNIT CAPITAL INSURANCE TRUST (EIN 251797771) - 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

1996

Legal Domicile

Principal Officer

CRAIG M LIVERGOOD

Phone

8143592793

Tax Period

2023-07-01 to 2024-06-30

TUSCARORA INTERMEDIATE UNIT CAPITAL INSURANCE TRUST, founded in 1996, is a mid-sized nonprofit that reported $21.8M in total revenue in fiscal year 2023. Expenses of $24.1M exceeded revenue, resulting in a 10% operating deficit.

Mission

TO CONTAIN HEALTH CARE COSTS FOR MEMBER SCHOOL DISTRICTS.

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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 $21,724,899

Investment Income $120,698

Other Revenue $0

TOTAL REVENUE $21,845,597

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $23,982,414

Other Expenses $83,992

TOTAL EXPENSES $24,066,406

Year-over-Year Comparison

	2023	2022	Change
Revenue	$21,845,597	$22,511,780	0.0%
Expenses	$24,066,406	$21,503,184	+0.1%
Net Income	$-2,220,809	$1,008,596	-3.2%

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

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
DAN SIMPSON	PRESIDENT	0.15	Officer Director	$0	$0	$0
JENNIFER MELLOTT	SECRETARY	0.15	Officer Director	$0	$0	$0
CRAIG M LIVERGOOD	TREASURER	1.15	Officer Director	$0	$0	$0
CURTIS WHITESEL	DIRECTOR (UNTIL 4/2/24)	0.12	Director	$0	$0	$0
DR DAVID PIPER	DIRECTOR (UNTIL 10/31/23)	0.12	Director	$0	$0	$0
DR CHRISTINA RAMSEY	DIRECTOR	0.12	Director	$0	$0	$0
COLETTE TANNER	DIRECTOR	0.12	Director	$0	$0	$0
CHRISTOPHER SANTINI	DIRECTOR	0.12	Director	$0	$0	$0
DR TARA WILL	DIRECTOR	0.12	Director	$0	$0	$0
CLINT HEATH	DIRECTOR	0.12	Director	$0	$0	$0
KRISTIE HOHMAN	DIRECTOR	0.12	Director	$0	$0	$0
RAQUEL RITTER	DIRECTOR	0.12	Director	$0	$0	$0
MARYANN E VOLDERS	DIRECTOR	0.12	Director	$0	$0	$0
JENNIFER MITCHELL	DIRECTOR	0.12	Director	$0	$0	$0
MATTHEW GIBSON	DIRECTOR (UNTIL 12/31/23)	0.12	Director	$0	$0	$0
DR BRIAN K GRIFFITH	DIRECTOR	0.12	Director	$0	$0	$0
LYNN NAUGLE	DIRECTOR	0.12	Director	$0	$0	$0
DR GREGG PALADINA	DIRECTOR (UNTIL 10/1/23)	0.12	Director	$0	$0	$0
THOMAS MARTIN	DIRECTOR	0.12	Director	$0	$0	$0
MEREDITH HENDERSHOT	DIRECTOR	0.12	Director	$0	$0	$0
JON GUYER	DIRECTOR	0.12	Director	$0	$0	$0
DANIEL POTUTSCHNIG	DIRECTOR	0.12	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	No data	No data	No data	No data
2024	$21,845,597	$24,066,406	$1,410,759	$-2,220,809
2023	$22,511,780	$21,503,184	$3,631,568	$1,008,596
2022	$24,378,548	$25,875,897	$2,622,972	$-1,497,349
2021	$22,419,678	$22,942,590	$4,120,321	$-522,912
2020	$21,830,410	$21,186,289	$4,643,233	$644,121
2019	$21,547,781	$20,446,578	$3,999,112	$1,101,203

TUSCARORA INTERMEDIATE UNIT CAPITAL INSURANCE TRUST