Palo Cooperative Telephone Association (EIN 420793094) - 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

1956

Legal Domicile

Phone

3198513431

Tax Period

2023-01-01 to 2023-12-31

Palo Cooperative Telephone Association, founded in 1956, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2023. Net assets of $6.1M represent 43 months of operating reserves.

Mission

TO PROVIDE TELECOMMUNICATIONS SERVICES TO 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,452,056

Investment Income $82,734

Other Revenue $150,287

TOTAL REVENUE $1,685,077

Expense Breakdown

Grants Paid $0

Salaries & Benefits $242,462

Fundraising Expenses $0

Program Expenses $0

Other Expenses $907,030

TOTAL EXPENSES $1,760,331

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,685,077	N/A	N/A
Expenses	$1,760,331	N/A	N/A
Net Income	$-75,254	$0	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

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

$125,872

Total Directors

$5,417

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	BOARD PRESIDENT	1.0	Officer Director	$980	$0	$980
N/A	OFFICER OF THE BOARD	1.0	Officer Director	$980	$0	$980
N/A	TREASURER	1.0	Officer Director	$980	$0	$980
N/A	BOARD VICE-PRESIDENT	1.0	Officer Director	$980	$0	$980
N/A	BOARD-TREASURER	1.0	Officer Director	$1,120	$0	$1,120
N/A	OFFICER/DIRECTOR OF THE BOARD	1.0	Officer Director	$377	$0	$377
N/A	GM/CEO/COO	60.0	Officer	$107,154	$13,301	$120,455

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	No data	No data	No data	No data
2023	$1,685,077	$1,760,331	$6,155,489	$-75,254
2021	$1,705,029	$1,314,624	$5,469,047	$390,405
2020	$1,611,577	$1,450,018	$4,917,297	$161,559
2019	$1,291,142	$1,257,671	$3,756,617	$33,471
2018	$1,175,299	$1,150,811	$3,606,079	$24,488

Palo Cooperative Telephone Association