PENNSYLVANIA ACACIA INSURANCE COMPANY LTD (EIN 421566974) - 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

2002

Legal Domicile

Principal Officer

WILLIAM KINGSBURY

Phone

8028601958

Tax Period

2025-01-01 to 2025-12-31

PENNSYLVANIA ACACIA INSURANCE COMPANY LTD, founded in 2002, is a small nonprofit in the Mutual Benefit sector that reported $359K in total revenue in fiscal year 2025. The organization ran a surplus of $179K, a strong 50% operating margin.

Mission

TO PROVIDE HEALTHCARE PROFESSIONAL LIABILITY, EMPLOYEE BENEFITS LIABILITY, SEXUAL MISCONDUCT LIABILITY AND GENERAL LIABILITY COVERAGE TO MASONIC VILLAGES

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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 $25,000

Investment Income $333,993

Other Revenue $0

TOTAL REVENUE $358,993

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $57,676

Other Expenses $180,220

TOTAL EXPENSES $180,220

Year-over-Year Comparison

	2025	2024	Change
Revenue	$358,993	$354,676	+0.0%
Expenses	$180,220	$81,709	+1.2%
Net Income	$178,773	$272,967	-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

Independent Members

Employees

N/A

Volunteers

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

$1,125,776

Total Directors

$1,397,796

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM KINGSBURY	PRESIDENT/DIRECTOR	1.00	Officer Director	$0	$40,805	$516,263
PAMELA S FORMICA	TREASURER/DIRECTOR	1.00	Officer Director	$0	$27,434	$329,977
DEBRA BROCKMAN	VP/DIRECTOR	1.00	Officer Director	$0	$28,912	$279,536
PATRICK SAMPSELL	DIRECTOR	1.00	Director	$0	$32,892	$272,020
ROBERT SNYDER II	CHAIRPERSON/DIRECTOR	1.00	Officer Director	$0	$0	$0
BENJAMIN GOULD	SECRETARY/DIRECTOR	1.00	Officer Director	$0	$0	$0
MICHAEL MAGLARAS	ASST SECRETARY/DIRECTOR	2.00	Officer 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	$358,993	$180,220	$20,185,208	$178,773
2024	$354,676	$81,709	$18,051,460	$272,967
2023	$327,253	$12,279	$16,438,980	$314,974
2022	$236,191	$161,724	$14,474,796	$74,467
2021	$1,313,204	$130,963	$16,896,427	$1,182,241
2020	$637,924	$35,281	$15,134,311	$602,643
2019	$743,959	$135,898	$13,615,615	$608,061
2018	$993,186	$-12,640	$11,623,415	$1,005,826

PENNSYLVANIA ACACIA INSURANCE COMPANY LTD