WV-WCI SCHOOL TRUST (EIN 356548223) - 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

1992

Legal Domicile

Principal Officer

NICOLE JACKS

Phone

5749928483

Tax Period

2024-10-01 to 2025-09-30

WV-WCI SCHOOL TRUST, founded in 1992, is a mid-sized nonprofit that reported $51.3M in total revenue in fiscal year 2024.

Mission

PROVIDE MEDICAL, LIFE, AND LONG-TERM DISABILITY BENEFITS TO APPROXIMATELY 2,500 SCHOOL 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $50,770,954

Investment Income $526,363

Other Revenue $0

TOTAL REVENUE $51,297,317

Expense Breakdown

Grants Paid $0

Salaries & Benefits $216,242

Fundraising Expenses $0

Other Expenses $2,621,655

TOTAL EXPENSES $51,425,481

Year-over-Year Comparison

	2024	2023	Change
Revenue	$51,297,317	$48,161,825	+0.1%
Expenses	$51,425,481	$47,499,454	+0.1%
Net Income	$-128,164	$662,371	-1.2%

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

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

$6,500

Total Directors

$6,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREGORY KORRECKT	TREASURER	2.50	Officer Director	$6,500	$0	$6,500
NICOLE JACKS	PRESIDENT	N/A	Officer Director	$0	$0	$0
JEFF GIBBONEY	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
ROBERT RAMEY	SECRETARY	N/A	Officer Director	$0	$0	$0
HANNAH THOMAS-THOMPSON	TRUSTEE	N/A	Officer Director	$0	$0	$0
LAURIE HYDE	TRUSTEE	N/A	Director	$0	$0	$0
CHAD NUNLEY	TRUSTEE	N/A	Director	$0	$0	$0
TRACY ALBERTSON	TRUSTEE	N/A	Director	$0	$0	$0
JOHN SZABO	TRUSTEE	N/A	Director	$0	$0	$0
JILL CONNER	TRUSTEE	N/A	Director	$0	$0	$0
GREGORY LINTON	TRUSTEE	N/A	Director	$0	$0	$0
ANDREW TYLER	TRUSTEE	N/A	Director	$0	$0	$0
HEATHER OVERMYER	TRUSTEE	N/A	Director	$0	$0	$0
KAREN SHUMAN	TRUSTEE	N/A	Director	$0	$0	$0
JEFFREY BOND	TRUSTEE	N/A	Director	$0	$0	$0
DESSA FRANK	TRUSTEE	N/A	Director	$0	$0	$0
CHASTITY WOODRUM	TRUSTEE	N/A	Director	$0	$0	$0
KRISTIN MCCARTY	TRUSTEE	N/A	Director	$0	$0	$0
SARAH PAGE	TRUSTEE	N/A	Director	$0	$0	$0
TIM GROVE	TRUSTEE	N/A	Director	$0	$0	$0
DARA PILANT	TRUSTEE	N/A	Director	$0	$0	$0
LINLEY WHITCRAFT	TRUSTEE	N/A	Director	$0	$0	$0
MILES STUCKY	TRUSTEE	N/A	Director	$0	$0	$0
RALPH SHRADER	TRUSTEE	N/A	Director	$0	$0	$0
MICHAEL SCHIMPF	TRUSTEE	N/A	Director	$0	$0	$0
JESSYCA SOUTH	TRUSTEE	N/A	Director	$0	$0	$0
TANYA PEARSON	TRUSTEE	N/A	Director	$0	$0	$0
BENJAMIN BLANK	TRUSTEE	N/A	Director	$0	$0	$0
BRIAN BYRUM	TRUSTEE	N/A	Director	$0	$0	$0
DUSTIN HITT	TRUSTEE	N/A	Director	$0	$0	$0
TERESA MCCAMMON-ASCHE	TRUSTEE	N/A	Director	$0	$0	$0
LINDSEY BROWN	TRUSTEE	N/A	Director	$0	$0	$0
DELROY ORTMANN	TRUSTEE	N/A	Director	$0	$0	$0
JOSEPH KWISZ	TRUSTEE	N/A	Director	$0	$0	$0
JOAN MUNDY	TRUSTEE	N/A	Director	$0	$0	$0
KIMBERLY DEVANEY	TRUSTEE	N/A	Director	$0	$0	$0
MATHEW HEWITT	TRUSTEE	N/A	Director	$0	$0	$0
KRISTIN CHARLES	TRUSTEE	N/A	Director	$0	$0	$0
JILL MCCAMMACK	TRUSTEE	N/A	Director	$0	$0	$0
COREY SMITH	TRUSTEE	N/A	Director	$0	$0	$0
MICAH WILLIAMS	TRUSTEE	N/A	Director	$0	$0	$0
MISTY HARRISON	TRUSTEE	N/A	Director	$0	$0	$0
PHILIP HARRISON	TRUSTEE	N/A	Director	$0	$0	$0
JUSTIN RIDGE	TRUSTEE	N/A	Director	$0	$0	$0
CHRIS STITZLE	TRUSTEE	N/A	Director	$0	$0	$0
GEORGE BERGAN	TRUSTEE	N/A	Director	$0	$0	$0
ANDY CLINE	TRUSTEE	N/A	Director	$0	$0	$0
RYAN GLAZE	TRUSTEE	N/A	Director	$0	$0	$0
MICHAEL VITTORIO	TRUSTEE	N/A	Director	$0	$0	$0
JUDI HENDRIX	TRUSTEE	N/A	Director	$0	$0	$0
TIM MCROBERTS	TRUSTEE	N/A	Director	$0	$0	$0
SAMANTHA GILLINGHAM	TRUSTEE	N/A	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	$51,297,317	$51,425,481	$26,284,194	$-128,164
2024	$48,161,825	$47,499,454	$26,096,804	$662,371
2023	$42,411,764	$46,226,066	$23,647,493	$-3,814,302
2022	$44,213,127	$41,465,218	$27,209,095	$2,747,909
2021	$44,780,179	$41,685,359	$26,752,299	$3,094,820
2020	$44,850,511	$42,682,632	$24,028,905	$2,167,879
2019	$44,698,369	$40,697,717	$21,585,432	$4,000,652
2018	$43,222,255	$38,208,284	$17,273,620	$5,013,971

WV-WCI SCHOOL TRUST