TUSCARORA INTERMEDIATE UNIT CAPITAL INSURANCE TRUST

EIN: 251797771

PLEASANT GAP, PA

Total Revenue
$21,845,597
Total Expenses
$24,066,406
Total Assets
$1,410,759
Net Assets
$1,410,759
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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
PA
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.

Program Service Accomplishments

Program 1
Expenses: $23,982,414 Revenue: $21,724,899

TO PROVIDE HEALTH, MEDICAL, AND VISION INSURANCE COVERAGE TO EMPLOYEES OF TEN SCHOOL DISTRICTS IN ORDER TO CONTAIN INSURANCE COSTS.

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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%)

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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

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Governance

Voting Members
18
Independent Members
18
Employees
N/A
Volunteers
18

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
3
$0
Total Directors
22
$0
Key Employees
0
$0
Highest Compensated
0
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
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