NORTHWEST SCHOOL HEALTH CONSORTIUM (EIN 251838685) - 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

2000

Legal Domicile

Principal Officer

LORI HARGENRADER

Phone

8142975114

Tax Period

2024-07-01 to 2025-06-30

NORTHWEST SCHOOL HEALTH CONSORTIUM, founded in 2000, is a mid-sized nonprofit in the Mutual Benefit sector that reported $37.8M in total revenue in fiscal year 2024. Expenses of $36.1M left a modest 4% surplus.

Mission

PROVISION OF HEALTH INSURANCE FOR THE EMPLOYEES OF ITS MEMBERS

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $37,610,730

Investment Income $150,596

Other Revenue $0

TOTAL REVENUE $37,761,326

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,500

Fundraising Expenses $0

Other Expenses $36,060,937

TOTAL EXPENSES $36,065,437

Year-over-Year Comparison

	2024	2023	Change
Revenue	$37,761,326	$35,159,851	+0.1%
Expenses	$36,065,437	$37,407,950	0.0%
Net Income	$1,695,889	$-2,248,099	-1.8%

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

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

$4,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
N/A	MEMBER	0.10		$0	$0	$0
MICHAEL STAHLMAN	CO-CHAIRPERSON	0.40	Officer	$0	$0	$0
LAURIE PICCIRILLO	CO-CHAIRPERSON	0.30	Officer	$0	$0	$0
MICHAEL STABILE	SECRETARY	0.30	Officer	$0	$0	$0
LORI HARGENRADER	TREASURER	4.00	Officer	$4,500	$0	$4,500

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	$37,761,326	$36,065,437	$4,749,467	$1,695,889
2024	$35,159,851	$37,407,950	$1,848,980	$-2,248,099
2023	$35,760,342	$35,974,319	$3,445,533	$-213,977
2022	$27,834,669	$28,860,398	$3,620,041	$-1,025,729
2021	$28,299,653	$29,040,641	$4,330,412	$-740,988
2020	$28,177,789	$27,858,384	$5,311,369	$319,405

NORTHWEST SCHOOL HEALTH CONSORTIUM