NORTHEAST OHIO NEWSPAPER GUILD

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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

1978

Legal Domicile

Principal Officer

PAUL CAVANAGH

Phone

2168700079

Tax Period

2022-01-01 to 2022-12-31

Mission

501(C)(9) VEBA TRUST THAT PROVIDED HEALTH & WELFARE BENEFITS FOR COLLECTIVELY BARGAINED EMPLOYEES OF THE PLAIN DEALER PUBLISHING CO. DURING THIS YEAR THE TRUSTEES APPROVED THE TERMINATION AND LIQUIDATION OF THE VEBA TRUST. ALL LIABILITES OF THE (CONTINUED ON SCHEDULE O) PLAN WERE SATISFIED AND LIQUIDATING DISTIBUTIONS WERE MADE TO THE PLAN PARTICIPANTS. (THE MISSION STATEMENT IS NOT ADOPTED).

Program Service Accomplishments

Program 1

Expenses: $322,744

PROVIDED MEDICAL, DENTAL, VISION AND LIFE INSURANCE BENEFITS TOEMPLOYEE PARTICIPANTS AND ELIGIBLE DEPENDENTS. THE REVENUEGENERATED FROM EMPLOYER CONTRIBUTIONS AND EMPLOYEE COBRACONTRIBUTIONS WERE...

PROVIDED MEDICAL, DENTAL, VISION AND LIFE INSURANCE BENEFITS TOEMPLOYEE PARTICIPANTS AND ELIGIBLE DEPENDENTS. THE REVENUEGENERATED FROM EMPLOYER CONTRIBUTIONS AND EMPLOYEE COBRACONTRIBUTIONS WERE USED TO PROVIDE THESE BENEFITS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $322,744

Other Expenses $20,276

TOTAL EXPENSES $322,744

Year-over-Year Comparison

	2022	2021	Change
Revenue	N/A	$29,539	-1.0%
Expenses	$322,744	$4,124	+77.3%
Net Income	N/A	$25,415	N/A

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
MICHELLE JARBOE	UNION TRUSTEE	1.00	Director	$0	$0	$0
TERESA MURRAY	UNION TRUSTEE	1.00	Director	$0	$0	$0
PAUL CAVANAGH	EMPLOYER TRUSTEE	1.00	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
2022	No data	$322,744	No data	No data
2021	$29,539	$4,124	$322,744	$25,415
2020	$353,315	$306,892	$297,329	$46,423
2019	$699,596	$808,817	$250,906	$-109,221
2018	$1,021,171	$1,042,588	$360,127	$-21,417