WEST CENTRAL TELEPHONE ASSOCIATION

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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

1952

Legal Domicile

Principal Officer

JON LOEFFEN

Phone

2188375151

Tax Period

2024-01-01 to 2024-12-31

WEST CENTRAL TELEPHONE ASSOCIATION, founded in 1952, is a mid-sized nonprofit that reported $13.1M in total revenue in fiscal year 2024. Net assets of $29.9M represent 27 months of operating reserves.

Mission

WEST CENTRAL TELEPHONE SHALL STRIVE TO PROVIDE EXCEPTIONAL AND PROFESSIONAL CUSTOMER SERVICE, TO PROMOTE CUSTOMER OWNERSHIP AT ALL LEVELS, AND TO BE A PROGRESSIVE COMMUNICATION SERVICES PROVIDER WITH THE VISION TO PLAN FOR AND PROVIDE THE SERVICES CUSTOMERS MAY NEED AND WANT IN THE FUTURE, ENCOURAGING INDIVIDUALS AND COMMUNITIES TO THRIVE.

Program Service Accomplishments

Program 1

WCTA IS ONE OF APPROXIMATELY 250 RURAL TELEPHONE COOPERATIVES IN THE UNITED STATES PROVIDING ITS MEMBERS STATE-OF-THE-ART TECHNOLOGIES WITH A PERSONAL HOME-TOWN TOUCH. ORIGINALLY FORMED TO IMPROVE...

WCTA IS ONE OF APPROXIMATELY 250 RURAL TELEPHONE COOPERATIVES IN THE UNITED STATES PROVIDING ITS MEMBERS STATE-OF-THE-ART TECHNOLOGIES WITH A PERSONAL HOME-TOWN TOUCH. ORIGINALLY FORMED TO IMPROVE RURAL TELEPHONE SERVICE OPTIONS IN THE AREA, THE COOPERATIVE NOW PROVIDES SEVERAL CUTTING-EDGE SERVICES INCLUDING IPTV, BROADBAND INTERNET SERVICE, AND ADVANCED PHONE FEATURES SUCH AS VOICE MAIL E-FORWARDING, WAKE-UP, AND FINDME. WCTA SERVES APPROXIMATELY 4,000 CUSTOMERS IN OUR 602 SQUARE MILE SERVING AREA.

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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 $12,050,708

Investment Income $163,485

Other Revenue $877,507

TOTAL REVENUE $13,091,700

Expense Breakdown

Grants Paid $0

Salaries & Benefits $758,730

Fundraising Expenses $0

Other Expenses $10,807,420

TOTAL EXPENSES $12,723,325

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,091,700	$13,598,598	0.0%
Expenses	$12,723,325	$13,479,109	-0.1%
Net Income	$368,375	$119,489	+2.1%

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

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

$495,611

Total Directors

$100,569

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE KINNUNEN	PRESIDENT	1.00	Officer Director	$22,724	$0	$22,724
DAVID PULJU	VICE-PRESIDENT	1.00	Officer Director	$21,177	$0	$21,177
ROBERT WEAVER	SECRETARY/TREASURER	1.00	Officer Director	$21,816	$0	$21,816
HARVEY AHO	DIRECTOR	1.00	Director	$21,972	$0	$21,972
ANNETTE ADAMIETZ	DIRECTOR (PARTIAL YEAR)	1.00	Director	$12,880	$0	$12,880
CHAD BULLOCK	CEO (THROUGH JAN 24)	40.00	Officer	$186,499	$44,793	$231,292
JENNIFER GREWE	CONTROLLER	40.00	Officer	$137,234	$61,368	$198,602
TRAVIS FLOYD	OPERATIONS MANAGER	40.00	Highest	$111,781	$45,405	$157,186

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
2024	$13,091,700	$12,723,325	$35,534,592	$368,375
2023	$13,598,598	$13,479,109	$35,838,624	$119,489
2022	$13,488,245	$12,280,681	$35,692,552	$1,207,564
2021	$12,755,429	$11,003,122	$34,636,117	$1,752,307
2020	$12,330,279	$11,060,130	$34,025,496	$1,270,149
2019	$12,186,343	$10,216,173	$32,837,847	$1,970,170
2018	$10,504,911	$10,214,849	$31,484,634	$290,062