HUNTINGDON COUNTY SCHOOLS INSURANCE TRUST (EIN 256408711) - 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

1993

Legal Domicile

Principal Officer

LISA WATSON

Phone

8145422501

Tax Period

2023-07-01 to 2024-06-30

HUNTINGDON COUNTY SCHOOLS INSURANCE TRUST, founded in 1993, is a mid-sized nonprofit that reported $11.9M in total revenue in fiscal year 2023.

Mission

PROVISION OF BENEFITS TO EDUCATIONAL INSTITUTION EMPLOYEES

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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 $11,845,207

Investment Income $83,316

Other Revenue $0

TOTAL REVENUE $11,928,523

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $409,751

TOTAL EXPENSES $12,848,769

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,928,523	$12,277,422	0.0%
Expenses	$12,848,769	$14,499,521	-0.1%
Net Income	$-920,246	$-2,222,099	-0.6%

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
HILLARY LAMBERT	DIRECTOR	1.00	Director	$0	$0	$0
RYAN WAGNER	DIRECTOR	1.00	Director	$0	$0	$0
MARISSA BOOZEL	SECRETARY	1.00	Officer	$0	$0	$0
BRAD HOWE	ASSISTANT TREASURER	1.00	Officer	$0	$0	$0
LISA WATSON	TREASURER	1.00	Officer	$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	$11,928,523	$12,848,769	$1,486,507	$-920,246
2023	$12,277,422	$14,499,521	$2,406,753	$-2,222,099
2022	$10,477,018	$10,961,984	$4,628,852	$-484,966
2021	$10,937,912	$10,900,543	$5,113,818	$37,369
2020	$10,165,321	$9,583,710	$5,076,449	$581,611
2019	$9,473,940	$9,689,150	$4,494,838	$-215,210

HUNTINGDON COUNTY SCHOOLS INSURANCE TRUST