Cottingham & Butler Insurance Services Inc (EIN 421207247) - 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

1983

Legal Domicile

Principal Officer

Timothy L Berns

Phone

5635875301

Tax Period

2025-01-01 to 2025-12-31

Cottingham & Butler Insurance Services Inc, founded in 1983, is a mid-sized nonprofit that reported $13.8M in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum.

Mission

The Trust provides sickness and accidental benefits for the employees of CB Ins Services SCO CBCS Healthcorp and Safety Mgmt

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $13,816,039

Investment Income $0

Other Revenue $0

TOTAL REVENUE $13,816,039

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $13,797,529

Other Expenses $1,859,183

TOTAL EXPENSES $14,457,529

Year-over-Year Comparison

	2025	2024	Change
Revenue	$13,816,039	$11,458,172	+0.2%
Expenses	$14,457,529	$12,393,119	+0.2%
Net Income	$-641,490	$-934,947	-0.3%

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

N/A

Independent Members

N/A

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
JOHN E BUTLER	Trustee	0.00	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
2025	$13,816,039	$14,457,529	$2,256,741	$-641,490
2024	$11,458,172	$12,393,119	$2,190,682	$-934,947
2023	$11,401,167	$11,004,216	$2,133,375	$396,951
2022	$10,356,912	$10,673,182	$1,289,840	$-316,270
2021	$9,845,922	$10,005,253	$1,643,742	$-159,331
2020	$7,956,333	$7,063,084	$1,900,805	$893,249

Cottingham & Butler Insurance Services Inc